Krista Keys Ltd has $2 million spare cash from commissions earned during the busy pre-Christmas season. Staff are paid a retainer, as well as part of the commissions earned through sales. Krista Keys Ltd is aware from past experience that sales fall off during winter and that there will be a cash deficit then. Krista Keys Ltd find they can invest the funds for six months by taking a two-month term deposit at 5.0 per cent per annum and rolling it over twice, a three-month deposit at 5.2 per cent per annum rolled once, or a straight six-month term deposit at 5.5 per cent per annum. Advise Krista Keys Ltd on the best course of action?