5. A five year loan made on January 1, 2020 is amortized with 60 level payments starting February 1, 2020. Interest is at i(12) = 0.10. You are given some special options for loan repayment by the issuer of your loan, who looks a lot like Al Pacino for some strange reason: A. Pay normally, but something bad will happen if you default. B. Continue these payments, then on October 15, 2023 you will give a 1000 gift to your loan issuer's daughter for her wedding, and all is forgiven due to this generous gesture. C. Pay twice the amount for 2 years, then you'll owe the issuer a favor. You won't know when this favor will be asked, or what the favor will be. Which is the most fiscally intelligent choice