(30 points) The following cash flow diagram indicates the monthly payments you will have in the future. Assume that the interest rate is 24% per year. $3.200 $2.800 $2.400 $2.000 16 17 18 19 20 21 a) (15 points) What monthly amount should you save for the first 8 months to complete the following payments starting from 18th month, if your parents will also deposit into your account $800 at the beginning of month 5? b) (15 points) Explain how your answers to (a) will change if the interest rate decreases. Write your comments in your words