You wish to borrow $2,500 for 8 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. 14.934165% pa APR compounding monthly where there are exactly 12 months per year. b. 15.120794% pa APR compounding quarterly where there are exactly 4 quarters per year. O c. 1.150976% as an effective monthly rate where there are exactly 12 months per year. d. 0.040671% as an effective daily rate where there are exactly 365 days per year. e. I'll lend you the $2,500 now if you pay me a single payment of $8,196.04 in 8 years, with no other payments in between