2) Judith Jackson has been offered a one-year consumer loan for $20,000. She must pay a $75 origination fee up-front and then make monthly interest payments for 12 months beginning at the end of the 1st month. The principal is due at the end of the 12 months. The bank tells Judith that the (annual) interest rate is 9 percent. Circle One: The loan's APR is higher than / lower than 9%. In the table below, fill in the bank's cash flows (don't forget to label them positive or negative) required to compute the loan's APR