You are considering two loan options to finance a new cold storage unit for your operation. The loan amount is $100,000 with a 4.125% per year interest rate. The first option is to decide on a constant payment loan with a $12,405.93 payment per year. The second option is to select on paying interest and reduce the loan balance by $10,000 each year. In Excel, work on the two amortization tables. Submit your work for credit. Discuss the pros and cons of each option.