please solve these two problems without using excel and show all steps.

Question No.28 Josephine took out a 20-year loan of 100,000 at an interest rate of 8% convertible quarterly. She will make level quarterly payments of X, starting 3 months after the original loan date. With the 20h payment, she will add an extra 10,000. Josephine will pay off the loan exactly with the last quarterly payment of X at the end of 20 years. Calculate X A. 2,264 B. 2,347 C. 2,498 D. 2,516 E. 9,167 Question No.29 Karl borrows $200,000 on January 1, 2017 to be repaid in 30 annual installments at an effective annual rate of interest of 6%. The first payment is due on January 1, 2020. Instead of annual payments she decides to make monthly payments equal to one-twelfth the annual payment beginning on July 1, 2020. Determine how many months will be needed to pay off the loan. A. 423 B. 424 C. 425 D. 426 E. 427 Question No.28 Josephine took out a 20-year loan of 100,000 at an interest rate of 8% convertible quarterly. She will make level quarterly payments of X, starting 3 months after the original loan date. With the 20h payment, she will add an extra 10,000. Josephine will pay off the loan exactly with the last quarterly payment of X at the end of 20 years. Calculate X A. 2,264 B. 2,347 C. 2,498 D. 2,516 E. 9,167 Question No.29 Karl borrows $200,000 on January 1, 2017 to be repaid in 30 annual installments at an effective annual rate of interest of 6%. The first payment is due on January 1, 2020. Instead of annual payments she decides to make monthly payments equal to one-twelfth the annual payment beginning on July 1, 2020. Determine how many months will be needed to pay off the loan. A. 423 B. 424 C. 425 D. 426 E. 427