Your client has $20,000 and plans to borrow $40,000 from the bank with a five-year loan at 6.2% interest. You are to calculate the monthly loan payment using the appropriate financial function. Assume a tax rate of 22% if Income Before Taxes (IBT) is equal to or is greater than $75,500. Assume a tax rate of 15% if Income Before Taxes (IBT) is less than $75,499. You are to calculate the monthly tax payment using the appropriate logical function. Assume that sales will grow at an average of 2.40% per month. Assume that each month contains 4.2 weeks