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A loan of $224,000 is being repaid using the amortization method by payments at the end of each year for 30 years. For the first 10 years, the borrower pays level payments of $11,000; for the next 10 years, the borrow pays level payments of $15,000; and for the last 10 years, the borrow pays level payments of $X. Interest is at an annual effective rate of 4.5%. (a) Calculate the outstanding balance of the loan immediately after the 9th payment. (b) Calculate the principal portion of the 11th payment. (c) Calculate X