Use Theorem 0.25 to derive a formula for calculating the size of the monthly payment for amortgage in terms of the principal P, the interest rate I, and the number of payments t. Assume that after t payments have been made, the loan amount is reduced to 0. Use the formula to calculate the dollar amount of each monthly payment for a 30-year mortgage with 360 monthly payments on an initial loan amount of $100,000 with a 5% annual interest rate.