1. Suppose you took a $100,000 ten-year fixed-rate mortgage at 4.5% (APR) three years ago. Now the market interest rate has dropped to 4%, and you are considering refinance your mortgage. (1) What was the original monthly payment? (2) Suppose you just made the 36th monthly payments. What is the remaining mortgage balance? (3) If you refinance with mortgage with another bank and keep the remaining term (that is, seven years until the mortgage is paid off), what would the new monthly payment be