Billy wants to buy a loan with payments of$1000, then$900, then$800and so on down to$100at the end of each year. The bank oers two options. Option A is an amortization method with10%eective interest annually, and option B is a sinking fund method where the loan has an interest rate of8%where the sinking fund earns6%eective interest annually. Under which option is Billy able to aord a larger loan?