Which do you prefer: a bank account that pays 4.1% per year (EAR) for three years or a. An account that pays 2.7% every six months for three years? b. An account that pays 8.3% every 18 months for three years? c. An account that pays 0.34% per month for three years? (Note: Compare your current bank EAR with each of the three alternative accounts. Be careful not to round any intermediate steps less than six decimal places.)