Cooley Landscaping needs to borrow $32,000 for a new front-end dirt loader. The bank is willing to loan the money at 9% interest for the next 10 years with annual, semiannual, quarterly or monthly payments. What are the different payments that Cooley Landscaping could choose for these different payment plans? What is Cooley's payment for the loan at 9% interest for the next 10 years with annual payments?