Suppose you took out a bank loan of $10,000 at an annual interest rate of 12% compounded quarterly. The loan is repayable over a period of 10 years. Quarterly payments are made at the end of every quarter and the first payment is made at the end of the 1^st quarter. (a) What is the effective interest rate per quarter? (b) Calculate your quarterly payment? (c) After making 30 such payments, you could pay a lump sum now (right after the 30^th payment) to close out the loan. How much do you need to pay