W borrows $11,200 and the bank says that W can either a. Pay back $11,700 after 13 months, or [3] b. Pay back $11,950 after 19 months. [3] Which should W choose if she wants to be charged the lower interest rate? After W made her choice, the bank said that she could pay back $6,120 after one year and a further $6,120 a year later (two years from today). Should she accept this latest offer?