23. A floating rate mortgage loan is made for $100,000 for a 30-year period at an initial rate of 12 percent interest. However, the borrower and lender have negotiated a monthly payment of $800. a) What will be the loan balance at the end of year 1? b) Assuming the interest rate doesn't change, and the borrower keeps making the $800 payment per month, how much interest will be accrued as negative amortization by the end of year 5