(8) Tom borrows 100 at an annual effective interest rate of 4% and agrees to repay it with 30 end-of-year installments. The amount of each payment in the last 20 years is set at twice that in the first 10 years. (i) Calculate the amount of each payment in the first 10 years. (ii) Now assume Tom wants to payoff the loan at the end of 10 years, by adding one final payment X to the regular payments made in the first 10 years. For this early payoff option, the lender requires an annual yield rate of 4.5%. Determine X