Dale and Cynthia borrow $30,000 from Cynthia's father, Irving, for the down payment on their first house so they can avoid private mortgage insurance. Irving has asked that they pay back the $30,000 in four years and is only asking for 3% interest compounded monthly (to protect him from inflation). If Dale and Cynthia decide to pay Irving the same amount at the beginning of each month, how much would their monthly payment be? What is the total amount that Dale and Cynthia will pay Irving over the four years? , $1,793.76 , $31,793.76 , $1,916.64 , $31,916.64 O , $30,112.44 O , $1,916.64