You have just taken out a five-year loan from a bank to buy an engagement ring. The ring costs $ 6 comma 200$6,200. You plan to put down $ 1 comma 200$1,200 and borrow $ 5 comma 000$5,000. You will need to make annual payments of $ 1 comma 100$1,100 at the end of each year. Show the timeline of the loan from your perspective. How would the timeline differ if you created it from the bank's perspective?