Suppose you have a 5% discount per year loan. You borrow to buy a furniture for $5,000 with for a 40-month loan. (a) What is formula used to determine your loan balance before you make a payment (or gross loan amount)? (b) What is the actual value (or amount) of your loan balance before you make a payment? (c) What is the formula for your monthly payment? (d) What is your monthly payment? (e) What is your total interest paid on the loan