You are trying to decide between two mobile phone carriers. Carrier A requires you to pay $$215$ for the phone and

then monthly charges of $$54$ for $24$ months. Carrier B wants you to pay $$90$ for the phone and monthly charges of

$$74$ for $12$ months. Assume you will keep replacing the phone after your contract expires. Your cost of capital is $4\mathrm{.}2\%$

APR, compounded monthly. Based on cost alone, which carrier should you choose?

The EAA for plan $A$ is $$.($Round to the nearest cent.$)$