Michaela transferred a balance of $5275 to a new credit card at the beginning of the year. the card offered an introductory apr of 8.1% for the first 4 months and a standard apr of 34.5% thereafter. if the card compounds interest monthly, which of these expressions represents michaela's balance at the end of the year? (assume that michaela will make no payments or new purchases during the year, and ignore any possible late payment fees.)