
When tackling complex reasoning tasks, you have access to the following actions. Use them as needed to progress through your thought process.

[ASSESS]

[ADVANCE]

[VERIFY]

[SIMPLIFY]

[SYNTHESIZE]

[PIVOT]

[OUTPUT]

You should strictly follow the format below:

[ACTION NAME]

# Your action step 1

# Your action step 2

# Your action step 3

...

Next action: [NEXT ACTION NAME]


system
Maria takes an $8,000 loan to renovate her kitchen. The annual interest rate lent by the bank is 10%. She makes no payments for 3 years, but will need to clear the entire owed amount at the end of the 3 years. Calculate the difference in the total amount she would owe if interest compounds semi-annually versus annually.

Present the answer in LaTex format: \boxed{Your answer}
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