30) You have just got an offer of $200,000 loan for a 30-year mortgage and the lender's annual rate (annual percentage rate or APR) is 3.5%. In order to calculate your monthly payment, you need to figure out a monthly rate that is used according to U.S. regulations, which is A) 0.2950% B) 0.2917% C) 0.2871% D) 0.2699%