10. You take a $Y loan at 12%(12) and make a $R payment at the beginning of each month with the smaller last payment of $X. Assuming that the following time line is correct, which of the following equations is correct? 0 1 2 3 4 77 78 79 -------------- -------------- $R $R $R $R $R $R $R$X a. Y= R78|1% + (1.01)79 b. Y = R78|1% + (1.01)78 C. + (1.01)79 d. Y= R79|1% + (1.01)80 Y= R79|1% mon month at the end of