You have found three investment choices for a one-year deposit 10.8% APR compounded monthly, 10 8% APR compounded annually, and 10.3% APR compounded daily Compute the EAR for each investment choice. (Assume that there are 365 days in the year.) (Note: Be careful not to round any intermediate steps less than six decimal places.) The EAR for the first investment choice is %. (Round to three decimal places.)