What would be the net annual cost of the following checking accounts? a. Monthly fee, $3.00; processing fee, 25 cents per check; checks written, an average of 10 a month. (Do not round intermediate calculations. Round your answer to 2 decimal places. Input the amount as a positive value.) b. Interest earnings of 5 percent with a $450 minimum balance; average monthly balance, $700; monthly service charge of $15 for falling below the minimum balance, which occurs three times a year (no interest earned in these months). (Do not round intermediate calculations. Round your answer to 2 decimal places. Input the amount as a positive value.)