3) You take out a 40 year, $375,000 mortgage with constant payments at the end of each month and with interest rate (12) = 9%. After 30 years, you refinance the mortgage with a 10 year mortgage (also with constant payments at the end of each month) with an interest rate (12) = 6, but also pay an additional penalty of 5% of your outstanding balance at this time. Find the constant payments at the end of each month for the last 10 years