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If you are a serious student preparing for an actuarial exam or a finance career, purchase a legitimate e-book rental. If you are a casual learner, use the table of contents from the 9th edition as a study roadmap, then source free, legal materials for each topic. "A $20,000 loan is amortized over 5 years
"A $20,000 loan is amortized over 5 years with quarterly payments at a nominal annual interest rate of 8% compounded quarterly. Construct the first two rows of the amortization schedule."