You are trying to decide between two mobile phone carriers. Carrier A requires you to pay 195$ for the phone and then monthly charges of 64$ for 24 months. Carrier B wants you to pay 100$ for the phone and monthly charges 74$ of for 12$ months. Assume you will keep replacing the phone after your contract expires. Your cost of capital is 4.5% . Based on cost​ alone, which carrier should you​ choose?