18.) A homeowner has five years of monthly payments of $ 1,100 before she has paid off her house. If the interest rate is 7% APR, what is the remaining balance on her loan?

19.) An annuity pays $ 11 per year for 55 years. What is the future value (FV) of this annuity at the end of that 55 years given that the discount rate is 9%?

20.) A $ 70, 000 loan is taken out on a boat with the terms 9% APR for 36 months. How much are the monthly payments on this loan?