The coworkers of Baja Burritos were in a staff meeting this morning. Their company needs to borrow money and were trying to figure out what Excel function or formula to use to calculate their payments and interest. Currently, they need a 5-year loan of $20,000 at a 5% percentage rate. Garcia says all you need to know is Who, What, When, and Where. Then use the PPMT function and that's all you do. Shelby disagrees. She says you need more information. Plus they need a monthly payment of less than $400. . . Can they figure their payment with the information provided? What suggestion would you give the team? Provide a correct formula to figure out what their payment would be