9. You borrow $135,000 for twenty years at 9 percent. This is an amortized loan with monthly payments. How much of the first payment goes to the principle balance of the loan? Assume that one month is equal to 1/12 of a year. 10. You just purchased a 15-year annuity at a cost of $70,000. The annuity will pay you $1,050 at the end of each month, starting with this month. What rate of return are you earning on this investment