3) A 20 year/$10,000 loan with interest i = 9% is to repaid with 12 payments of X at the end of each year, followed by 8 payments of 5X at the end of each year. Find X and fill out the following amortization table for 3 years. Explain in words why PR, PR2, and PR are all negative. Payment Interest Principle Repaid Outstanding Balance $10,000 0 1 2 3