Kindly use a time diagram to solve these questions.

A couple borrows $25,000 to be repaid with the monthly payments over 48 months at j4 = 12%. They make the first 14 payments and miss the next three. What new equal monthly payments (up to the next dime) over 31 months would repay the loan on schedule and what will be the concluding payment? Kindly use a time diagram to solve this

An insurance policy requires premium payments of $15 at the beginning of each month for 20 years. Determine the discounted and accumulated values of these payments at j4 = 6%.