. A $10,000 loan can be repaid quarterly for 5 years using amortization and an interest rate of j12 = 10% or by a sinking fund to repay both principal and accumulated interest. If paid by a sinking fund, the interest on the loan will be j12 = 9%. What annual effective rate must the sinking fund earn to make the quarterly cost the same for both methods?(Dont use excel or calculator, solve mathematically)