(0 points) Sam takes a loan of $1000 from the bank on 1st Nov 2019 and agrees to pay back in 10 equal monthly instalments starting 1st Dec 2019. The ordinary interest rate and the rate of inflation are 5.0% and 4.76% per month. (Round off values to 2 decimal places) (a) (10 points) Calculate the monthly payment amount and show the loan amount and monthly payment amount on a cash flow diagram. (b) (10 points) If the rate of inflation is -4.76% per month and only one payment is made at the end of 10 months, show the loan amount and the final payment amount in the cash flow diagram