(a) A winery borrows $900,000 to build a cellar door facility. The loan is amortized over 8 years with payments made at the end of each year. How much does the winery repay in total if the interest rate is 9% per annum? (b) A manager estimates that $1,000,000 cash will be needed for a new vineyard development in 3 years time. If money can earn 5% per annum compounded annually, how much should be put aside in a "replacement fund" in order to have sufficient funds for the development