Need help for B and C

b. You have just won a puzzle contest where you were offered two choice of prizes that is whether to accept RM60,000 today or RM12,000 at the end of each year for 5 consecutive years. If the cash flow is discounted at a yearly rate of 12% and compounded twice a year, which prize would you choose? C. Mrs Aimi plans to get a loan for a total of RM6,000 at the interest rate of 10% from a kind- hearted money lender. The money lender agrees to receive a sum of payment for the same amount at the end of each year for 4 years. What is the size of payment that Mrs Aimi must give to the money lender each year