(20pts) Assume you've selected Farm Credit with 12% APR compounded monthly for the loan. You agree to pay back the loan in monthly installments over the next 2 years with the first payment due next month (24 payments in total). What is your monthly payment? Create an amortization schedule to track the principal and interest on the loan over its life. How much total interest is paid? Describe how interest accumulates on the loan over time