To settle a $640 invoice, Anna can pay $620 now or the full amount 90 days later. a. Which alternative should she choose if money can earn 1234% ? multiple choice A': Pay $620 now B': Pay full amount 90 days later b. What rate would money have to earn for Anna to be indifferent between the alternatives? (Use 365 days a year. Do not round intermediate calculations and round your final answer to 2 decimal places.)