Your uncle will sell you his bicycle shop for $170,000, with "seller financing," at a 6.0% nominal annual rate. The terms of the loan would require you to make 12 equal end-of-month payments per year for 3 years, and then make an additional final (balloon) payment of $40,000 at the end of the last month. What would your equal monthly payments be?

a. $5,171.73

b. $5,146.00

c. $4,134.18

d. $4,476.60

e. $4,154.85