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4. (12 points) A mortgage has 240 level monthly payments. If the total principal repaid in the first 120 payments is 40% of the total

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4. (12 points) A mortgage has 240 level monthly payments. If the total principal repaid in the first 120 payments is 40% of the total principal repaid in the last 120 payments, find the mortgage's interest rate, expressed as a nominal annual rate, compounded monthly

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