Now use a financial calculator to solve the following question: You loaned a firm $19,439. The firm agreed to pay $10,582 next year and $10,547 at the end of the second year. The internal rate of return of this lending arrangement is ____%. The APR of a loan is 5.8%. The customer needs to make 3 payments each year. The loan must be paid off in 14 years. Suppose the principal of the loan is $92,099. The payment in each period is $____