To purchase a house, $100,000 is borrowed at the annual effective interest rate i. The loan will be repaid by payments at the end of each month for 30 years. The monthly payments within each year are constant, but the monthly payments increase by $10 from one year to the next. The first year’s payments are each of amount X. The second year’s payments are each of amount X + $10. The third year’s payments are each of amount X + $20, and so on. Express X in terms of interest and annuity symbols that are based on the effective annual interest rate of i.