11. Suppose you take a threeyear on 100.000 at an interest rate of 10%. You make quarterly fixed principal payment. Your roommate takes a loan with the same principal, interest rate, maturity and payment frequency, but with fixed equal payments. What is the difference between the interest payment by you versus the interest payment by your roommate in the second payment? A. $876.29 B. $27.12 C. $0.00 D. -$27.12 E. -$876.29 12. Following the previous question. Now assume that your bank requires you to make interest payment in a flat basis, which means every quarter your interest payment always equals to $100,000"(the quarterly interest rate). What is the effective annual interest rate? A 25.00 percent B. 18.28 percent C. 17.15 percent D. 10.47 percent E. 10.38 percent