You wish to borrow $2,000 for 4 years to start a business. You approach different lenders who have the following offers. Which is the best lender to borrow from? All percentage rates are rounded to 6 decimal places. Select one:

a. 13.319794% pa APR compounding quarterly where there are exactly 4 quarters per year.

b. 13.119348% pa APR compounding weekly where there are exactly 52 weeks per year.

c. 3.329948% as an effective quarterly rate where there are exactly 4 quarters per year.

d. 1.097885% as an effective monthly rate where there are exactly 12 months per year.

e. I'll lend you the $2,000 now if you pay me a single payment of $3,259.13 in 4 years, with no other payments in between.