The table below shows the mortgage interest rates from three local banks. Calculate the effective rates for these three mortgage rates. (Note: Enter your answers in percentage and round them up to two decimal points. Example: 0.010345 or 10.345% as 10.35) Bank Mortgage Interest Numberot Rate (%) Times Compounded X 3.80 Quarterly Y 3.73 Monthly Z 3.56 Daily Note: EAR = (1 + (APR / m))m 1 Based on your calculation above, which bank would you go to for a mortgage? Enter your answer in . (Note: If your answer is Bank Z, just type Z)