An individual is borrowing 100000 at 8% interest compounded annually the loan is to be paid in equal annual payments over 30 years.however ,just after the 8th payment is made , the lender allows the borrower to repine the annual payment.the borrower agrees to this increased payment.if the lender is still charging 8% per year, compounded annually, on the unpaid balance of the loan what is the balance still owned just after the twelfth payment is made?