Which of the following conditions has a higher return ratio? (Inflation effect will be neglected.) a) Paying 100 thousand TL from interest of 20% for 7 years. b) Paying 100 thousand TL from interest of 05% for 5 years. c) Paying 100 thousand TL from interest of 35% for 4 years. d) Paying 100 thousand TL from interest of 15% for 9 years.