22. In order to purchase his home, Javier de La Santos borrowed $45,000 from the bank at a rate of 10% and must repay it in 3 equal installments at the end of each of the next 3 years. What percentage of the third year payment goes towards interest? a) 12.32% b) 17.36% c) 25.89% O d) 9.09% e) 19.76%