Suppose you lend $38,000 to a friend at an APR of 5.00%. Your friend will pay you back beginning next month with 96 monthly installments. You can reinvest the payments you receive in your money market account at an APR of 4.50%, calculated monthly. a. How much will your friend pay you each month? b. How much will you have in your account at the end of 96 months? (to nearest $) c. What is your effective annual return (EAR), ___ _%