Based on the image below, which region of the planet experiences the warmest temperatures in July? 
Definitions:
Annual Effective Rate
The interest rate on a loan or investment, adjusted for compounding over a one-year period.
Monthly
Occurring, produced, or done every month.
Semi-Annually Compounded
Interest calculation method where the interest is added to the principal on a half-yearly basis.
Nominal Rate
The stated interest rate of a bond or loan, not accounting for inflation or compounding effects, also known as the annual percentage rate (APR).
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