Your friend Amber has approached you seeking advice concerning two investment opportunities she is considering. Her classmate Simone has asked her for a loan of $$5,000$ to help establish a small business; her neighbor Riley would like to borrow $$6,000$ as a personal loan. One year from now, Amber's original investment will be returned in either case, along with $$700$ of Simone income or $$780$ of Riley income. Amber can make only one investment.

Required:

a$.$ Which investment would you advise Amber to make? Why? Round your percent$-$age answer to two decimal places.