10. (Mortgage + EAIR) Your local bank has offered you a 20- year, $100,000 mortgage. The bank is charging 1.5 points, with "processing" costs of $750; both points and processing costs are deducted from the mortgage when it is given. The mortgage carries a 10% annual interest rate and is paid in equal monthly payments. Note that the monthly payments on the mortgage are cal-culated on the full amount of the mortgage (that is, $100,000). a. Calculate the monthly payment on the mortgage, show the amortiza-tion table, and compute theEAIR. b. Will the EAIR of the mortgage change if the loan period is 6years? Please use excel formulas to explain.