18. What's the annual fixed payment on a 20 -year loan of $100,000 with a 5.75% annual interest rate? When you add up all 20 payments, what's the total amount? What's the present value of those payments? What's the future value of those payments in year 20 at the end of the loan? 19. Please provide the yield-to-maturity, current yield, and capital gains yield on the following 10-year municipal bond. The bond has a coupon rate of 4% and a par value of $1,000 and is selling for $925 today (in Year 0)