XYZ Phone service charges $0.12 per minute with a monthly charge of $6.95. This fee is valid 24 hours, 7 days a week. ABC Phone company offers no monthly charge and a rate of $0.20 per minute from 7 a.m. to 7 p.m. and $0.09 from 7 p.m. and 7 a.m. If you average 3 hours of calls during the day and 3 hours of calls at night per month, which phone service should you choose?