(20 points) Chandler, Joey and Phoebe each borrow 1000 for four years, at a nominal interest rate of 24%, compounded monthly. (i) Joey has interest accumulated over the four years and pays all the interest and principal in a lump sum at the end of four years. (ii) Chandler pays interest at the end of every month as it accumulates and the whole principal at the end of four years. (iii) Phoebe makes two level payments at the end of the second and fourth years to pay back the loan. Calculate the net total amount interest paid by each of these "friends and compare these interest amounts from smallest to largest