Joseph is a friend of yours. he has plenty of money but little financial sense. he received a gift of $12,000 for his recent graduation and is looking for a bank in which to develop the funds. partner savings Bank offers an account with an annual interest rates of 3% compound semiannually , while Selwyn offers an account with a 2.75% annual interest rates compounded continuously. calculate the value of the two accounts at the end of one year, and recommend to Joseph which account he should choose​