7) Alar and Shiva want to take out a $200,000 loan at 4% compounded quarterly. Alar wants to repay it over 10 years with end-of-month payments, BUT Shiva says they could save money by making the payments at the beginning of the month. Determine: (6) a) The size of the "end" of month payments required to repay the loan b) The size of the "beginning of the month payments required to repay the loan c) The amount saved (in dollars-$$), by making the payments at the beginning of the month instead of at the end of the month