your uncle the banker offers to lend you $25,000 to start a new business. you will have to make a payment of $7,000 at the end of each of the next 3 years plus a final payment of $10,000 at the end of year 4. what annual interest rate is built into this loan? a. 9.37% b. 10.13% c. 8.66% d. 9.74% e. 9.01%