20. You just borrowed $20,000 from a bank at an annual interest rate of 10%. You plan to pay off the loan by making equal annual payments at the end of each year over the next 3 years. What percentage of your 3 red payment would be applied towards interest payment? a. 9.09% b. 9.22% c. 9.85% d. 10.25% e. 10.45%