You$$ve just joined the investment$-$banking firm of Dewey, Cheatum, and Howe. They$$ve offered you two different salary arrangements. You can have $$75,000$ per year for the next two years, or you can have $$64,000$ per year for the next two years, along with a $$20,000$ signing bonus today. The bonus is paid immediately, and the salary is paid in equal amounts at the end of each month. If the rate is $10$ percent$-$compounded monthly, which do you prefer? answer only in formulas