$32.$ You are trying to decide between two mobile phone carriers. Carrier A requires you to pay $\backslash (\backslash$$ $200\backslash )$ for the phone and monthly charges of $\backslash (\backslash$$ $60\backslash )$ for $24$ months. Carrier B wants you to pay $\backslash (\backslash$$ $100\backslash )$ for the phone and monthly charges of $\backslash (\backslash$$ $70\backslash )$ for $12$ months. Assume you will keep replacing the phone after your contract expires. Your cost of capital is $4\backslash \%.$ Based on cost alone, which carrier should you choose?