A 10 -year loan of 20,000 will be amortized with payments made at the end of each year. Can be amortized under the following two options: (X) Payments equal to an annual effective interest rate of 12%. (Y) Payments of 2,000 each year plus interest on the balance payable at an annual effective interest rate of i. The sum of the payoffs for option (X) is equal to the sum of the payoffs for option (Y). Determine