3. A debt of RM100,000 today is to be paid by payments of RM20,000, RM30,000, RM15,000, and the final amount of RM X, at the end of the 2nd year, 4th year, 6th year, and 8th year, respectively. Given the interest rate is 4% compounded semiannually. (a) Draw a time diagram to illustrate the equation of value. (b) Find X. a