Answer the items below: a)A person took a loan of 40,000.00 to pay after 3 months with interest of 18%a.a. monthly capitalized in the compound interest regime. On the date of release of the loan, he paid a service fee of 4% on the present value of the loan. Determine the monthly effective fee paid by the borrower. (b)an enterprise receives financing to pay through a posted anthography consisting of twenty equal half-yearly instalments in the amount of 200,000.00 each. Immediately after the payment of the tenth installment, because it is in financial difficulties, the company achieves with the financier a reduction in the interest rate from 15% to 12% per semester and an increase in the remaining term of the annaity from ten to fifteen semesters. Calculate the value of the new financing provision