If you have to pay off an effective 10% loan within the standard 30 years, then what are the per-month payments for the $500,000 mortgage? Consider both an effective 10% (EAR) interest rate per year, and a bank quote of 10% (APR) per year.

a. With EAR, payment=4229.45; with APR payment=4387.86

b. With EAR, payment=3652.23; with APR payment=3387.86

c. With EAR, payment=4363.32; with APR payment=4387.86

d. With EAR, payment=4229.45; with APR payment=4443.36