Please help me answer the following question with clear answers. Thank you

The options in the scroll down menu are Simplii Financial / Tangerine

Question 4

Suppose for its deposit accounts Simplii Financial is offering to pay interest at a rate of 0.25% per month with monthly compounding, but Tangerine is offering to pay interest at a rate of 0.75% per quarter with quarterly compounding. (One quarter is equal to three months.) Which financial institution is offering the higher rate? The higher rate is being offered by (Round to six decimal places.) because the effective annual rate of Simplii Financial in decimal form is and the effective annual rate of Tangerine in decimal form is