Kelly took a $12,000 loan at 9.45% APR compounded daily. The loan will be paid in 36 equal monthly payments. (a) What is the monthly payment? (b) What is the total amount of interest that Kelly has to pay over the life of the loan? (c) In the 20^th payment, how much of it is the interest payment and how much of it pays against the principal? (d) Right after the 20^th payment, Kelly wants to pay off the remainder of the loan with a single payment, what should be the amount of that payment? Please answer using equations, NOT excel sheets.