Question 3 (20 points) A vehicle loan of $40,000 must be paid off in 7 years with an annual interest rate of 3.6%. What is the monthly payment (uniform series of equal payment at the end of each month) required to pay off this loan? Question 4 (30 points) Instead of taking a loan, person B choose to invest the payments with an annual return of 5% per year compounded monthly. What is the total future value person B's investments