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3. A debt of 10324.17 euro is amortized in 5 years with quarterly constant density of amortization installments at the annual rate 2%. (a) Explain the main features of this kind of loan's amortization. (b) Knowing that the debtor ask for the in advance conclusion of the contract after 1 years, 7 months, 21 days, recover the debt due, assuming the two-monthly market rate is 0.3%; (c) Recover the effective rate of the contract for the debtor if the quarterly expense is 0.1% of every payment