The activity on Charlie Wilson's Visa account for one billing period is shown below. Find the average daily balance and the finance charge if the billing period is November 11 through December 10, the previous balance was $642.61, and the annual interest rate is 20%.

November 15	payment	$125.00
November 28	office supplies	$22.73
December 1	toy store	$318.44

What is the average daily balance?

	$345.25
	$620.47

	$605.27
	$650.27