On november 1, the balance of a credit card account is $2,835.63. there was a payment of $230.00 made on november 12 as well as a new purchase for $121.36. on november 25, a second payment of $25.00 was made. the annual interest on the account is 17.65%. determine the finance charge for the account using both the average daily balance and the adjusted balance methods. which method would be more advantageous to the cardholder? justify your reasoning