1. your friend has 2 credit cards with balances that he cannot afford to pay off all at once, but he can afford to make more than just the minimum payment. he has a $500 balance on a card with 15.99% apr and a $400 balance on the second card with a 25.99% apr. a. calculate the monthly finance charges on each. round to the nearest cent b. what advice would you give your friend about paying off the balances on these cards? which card should be paid off first?