You just won $50,000 in a lottery. You want to use the money to make a down payment on a house 5 years from now. Meanwhile you want to invest it to accumulate more funds. Bank of USA advertises that they pay 6% per year compounded monthly on a five-year investment, but they charge an administrative fee that is 2% of the amount invested and this has to be paid initially to the bank. First American Credit Union offers 5.75% compounded daily on a money market account. Which investment would you choose and why? Assume that there is no risk associated with either investment!