1. Mr. U borrowed money from Ms. T in the amount of 1 million pesos. The loan is to be paid 3 years from the time of its execution with a fixed interest rate of 5% (for the entire duration). Three years later, Mr. U paid the loan with the agreed interest. It was also established that the prevailing inflation rate during the tender of full payment was 8%. This is way higher compared to the prevailing rates. Who benefits from this transaction? Begin your answer by saying "Mr. U, or Ms. T; then your reasons.