Locust Inc. owes $19,000.00 to be repaid by monthly payments of $480.00. Interest is 12% compounded monthly. (a) How many payments will Locust Inc. have to make? (b) How much interest is included in the 12th payment? () (d) How much of the principal will be repaid in the 20th payment period? Construct a partial amortization schedule showing details of the first three payments, the last three payments, and totals. (a) The number of the monthly payment is (Round the final answer up to the nearest whole number. Round all intermediate values to six decimal places as needed.)