When buying a home, if your down payment is less than 20% of the home's sale price you have to pay private mortgate insurance (PMI). For this example, assume that the yearly fee for PMI is .78% of the original loan amount. Which formula should you use in cell B4 in order to calculate the monthly cost of PMI? B4 B A $ 46,000.00 Home Sale Price 1 2 Down Payment: 3 Loan Amount: 4 Monthly PMI: $ 9,500.00 $ 36,500.00 =IF(B2>20%*B1) O ELSE (0.78%*B3)/12 =IF(B2>20%*B1,0,(0.78%*B3)/12) =IF(B2>20% B1,'O'""(0.78% B3)/12") =IF(B2>20% B1," (0.78% B3)/12"'O")