What is the best choice of reagent to perform the following transformation? 
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Obligation
A legal or moral duty to do something or pay an amount to someone.
Compounded Monthly
Interest calculation method where the interest is added to the principal at the end of each month, resulting in "interest on interest".
Interest
The cost of borrowing money, typically expressed as an annual percentage rate.
Scheduled Payments
Predetermined amounts paid at regular intervals as part of a loan agreement or payment plan.
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