You want to go on an “around the world cruise” two travel agents are offering cruise packages for $20,000. the agents have unusual finance offers. with each agent, you are charged interest over time, but rather than making monthly payments, you are expected to pay the cruise off (principle plus interest) in a single lump sum payment at a date of your choosing. you will need at least a year after purchasing the cruise to save enough money to pay it off. agent a: this plan comes with a 12% interest per year charge. agent b: this plan charges 1% interest per month decide which is better