Lloyd has $20,000 to deposit. his wife’s illness leads to medical expenses beyond what their insurance will cover, so lloyd must often quickly access his savings. recommend a good way for lloyd to store his money. a. a two-year cd giving 9.1% interest annually b. an online savings account giving 3.6% interest c. a series of six-month money market accounts paying 4.6% interest d. a checking account with free checks