A $1,000,000 business loan with an annual effective interest rate of 15% is being repaid with annual payments of $200,000, plus a smaller final payment. The first payment is due one year after the loan is taken out. Determine the interest portion of the final payment. A Less than $21,000 B At least $21,000 but less than $22,000 C At least $22,000 but less than $23,000 D At least $23,000 but less than $24,000 E At least $24,000