You are offered a T-note that pays $1,000 in 3 months (or 180 days) for $975. You have $95 in a bank that pays a 2.15% nominal rate, with 365 daily compounding. You plan to leave the money in the bank if you dont buy the risk-free T-note. Using the highest PV, highest FV, and highest effective rate of return methods respectively to verify which investment should you choose? Show your work and explain