Daniel borrowed a 15 year-loan on May 1, 2022 with level annual payments at the end of each year. The annual effective interest rate is 5%. The principal portion of his repayment on May 1, 2024 will be $6,000. (a) Calculate the principal portion of the first payment (on May 1, 2023). (4) (b) Calculate the amount he borrowed at the beginning. (5) (c) Calculate the annual payment amount. (5) (d) Calculate the interest portion of his payment on May 1, 2030. (5)