Deposit for 3 years first, and then transfer the principal and interest for 3 years. The required principal =15000/(1+0.0324 * 3) 2 =12460 yuan.

2. The principal required for direct deposit for 6 years =15000/(1+0.036 * 6) =12335.53 yuan.

A: The six-year direct deposit method starts with less principal.