(5 points) A 20-year loan is repaid by a decreasing annuity of 20, 19, 18, 2, 1. Payments are made at the end of the year. The annual effective interest rate is 7%. Determine the amount of interest paid in the 11th payment. (a) 7.02 (b) 4.92 (c) 3.50 (d) 2.98 (e) 1.98