The following PMT function was entered into an Excel worksheet: =PMT(B2/12,B3,B4,B5,1) The purpose of this function is to calculate the monthly payments for a loan. Payments are required at the end of each month. Which of the following identifies a flaw with this function. Select all that apply. A formula was used in defining the rate argument. The [type] argument should be zero. The nper argument must be multiplied by 12. The minus sign should precede cell B4 in the pv argument. The pv argument should also be divided by 12. The nper argument must be divided by 12. The [fv] argument should be zero