Please answer all questions. with working .excel

Q2 A pay-day Ioan company quotes a 25 percent interest rate on one-year loans. So, if you borrow $792, the interest the company will charge you is $198. Because you must repay a total of $990 over the year, the pay-day loan company demands that you to pay $990/12, or $82.50, per month over the next 12 months. a) Is this really a 25 percent loan? b) What rate would legally have to be quoted? c) What is the effective annual rate? d) Prepare an amortization schedule for this 12-months loan