Suppose another lender offers a $1-$year $$1,000$ loan at a $14\mathrm{.}45\%$ rate if you pay two points up$-$front $($each point is $1\%$ of the loan amount$).$ Please note that you are still borrowing $$1,000$ and your monthly payments are still based on a $$1,000$ loan. What is the monthly payment that will amortize this loan?O $$89\mathrm{.}25$ $$90$ $$89\mathrm{.}13$ $$88\mathrm{.}32$ $$89\mathrm{.}68.$