For a savings account, if all other factors are the same or equal (such as the principal amount, term, and so on), which of the following would be true? a The less frequently the interest compounds, the more money you earn. b The frequency of compounding has no effect on the total amount of money you would earn. c The more frequently the interest compounds, the more money you would earn. d The bank would charge you a fee for leaving your interest in your account.