12. Consider a standard 30-year mortgage loan with initial principal of $400,000, monthly payments and an APR of 4.8%, and no additional fees. (a) What is the EAR associated with this loan? (b) What is the monthly loan payment? (c) How much of the first monthly payment goes toward interest versus reducing outstanding principal? (d) How much of the 36th monthly payment goes toward interest versus reducing outstanding principal?