A 10-year loan of 10,000 is to be repaid with payments at the end of each year consisting of interest on the loan and sinking fund deposit. Interest on the loan is charged at 12% annual effective rate. The sinking fund's annual effective rate of interest is 8%. How much is deposited into the sinking fund each year to repay the principle of the loan ($10,000). How much interest has to be paid each year? What is the total yearly payment?