(16 points) Suppose that you take a credit-card loan of $10,000 from a bank. The annual interest rate is 20% (Yes. That is what you are paying if you do not pay back your credit-card balance. So, don't do it.). You make four payments (i.e., every half a year) at equal amounts to fully repay the debt. (a) Please calculate the amount of the payments. (b) Instead, you may get a line of credit of $10,000 with an annual interest rate of 10% (And yes. There is a difference between the interest rate for credit-card loans and that for line of credit. So, if you have to take a credit-card loan, consider using a line of credit instead). How much money can you save for 1 each payment