You are offered a T-note that pays $1,000 in 9 months (or 270 days) for $975. You have $975 in a bank that pays a 1.75% 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?