If a business takes out a $$10,000,7$ year, $12\%$ loan, the annual payment is: a$)$ $$1,976\mathrm{.}38$ b$)$ $$2,000\mathrm{.}00$ c$)$ $$2,111\mathrm{.}78$ d$)$ $$2,191\mathrm{.}17$ e$)$ $$2,456\mathrm{.}54$