29. Your neighbor Bill, a liberal arts major who knows little about finance, has financed his college education with his Citibank Visa Card. Upon graduation, Bills credit card debt is $12,000. If Bill plans to pay off his debt with equal monthly payments for 5 years, and the annual interest rate on his Visa card is 18%, what will be Bill's monthly payment? a) $125 d) $305 b) $236 e) $267 c) $2,160