Jane recently moved to a new city. she is adjusting her current spending plan to fit her new lifestyle. she needs to find new depository institutions and savings tools to fit her new financial needs. she already has a checking account to help her manage her everyday spending. she has $3,000 she wants to use as an emergency fund. although, she does not plan to use this money very often, jane knows unexpected expenses always occur in life. therefore, she wants to be able to have quick and frequent access to the account with the $3,000 emergency fund. jane also has $500 that she wants to save to buy a new computer in one year; her goal is to not use this money in the next year, so she wants to get the highest interest rate she can. which savings tool(s) would you recommend jane utilize and why