B50. (Excel: amortization table) You borrow $20,000 for a 36-month car loan. a. If the APR is 99%, what is your monthly loan payment? b. Prepare a loan amortization schedule that shows, for each month, your loan payment, interest expense, loan amortization, and remaining loan balance. c. What is the APY on your loan? B51. (Excel: amortization table) Bill Welch is buying out his partner in an avocado orchard. Bill is borrowing $200,000 and will pay 10% interest on the outstanding balance. Bill has agreed to pay $25,000 per year for the first five years, $30,000 for the next four, and then will pay off the remaining balance at the end of the 10th year. a. Prepare a loan amortization schedule that shows, for the next 10 years, Bill's loan pay- ment, interest expense, loan amortization, and remaining loan balance b. What is the final (10th) loan payment