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One way to do it is find the amount owing after 11 repayments, each being 622.75 each (let this amount be P(11). Then for the twelve month, compound P(11) then subtract 5622.75. This amount, say Q is the amount after the twelve month. Now you can reset the timeline to t=0. Then repeat the...

y=pi/4+2 and y=-pi/4+2