Suppose you get a credit of $100,000 in the time of one year. The following are the payment methods: a) Six payments at the end of every two months with an anual effective interest rate of 18.60% b) Four payments quarterly based with the same capital with a capitalized quarterly based interest rate of 20%

a) $18,388.38, $28,201.18; b) $18,388.38, $18,201.18; c) $28,388.38, $28,201.18; d) N.A