A not-for-profit organization prepares a quarterly cash budget with the following ending cash balances for each quarter: Q1=$15,000;Q2=($55,000);Q3=($98,000);Q4=($75,000). If the organization plans to take a loan for $120,000 and does not have to pay interest until the next fiscal year, what is the largest amount of loan principal that can be repaid by the end of the year? $15,000$22,000$75,000$120,000$45,000