You are trying to decide between two mobile phone carriers. Carrier A requires you to pay $$190$ for the phone and then monthly charges of $$56$ for $24$ months. Carrier B wants you to pey $$95$ for the phone and monthly charges of $$72$ for $12$ months. Assume you will keep replacing the phone after your contract expires. Your cost of capital is $4\mathrm{.}5\%$ APR, compounded monthly. Based on cost alone, which carrier should you choose?

The EAA for plan $A$ is $$.($Round to the nearest cent.$)$