7. [10] A couple buys a house and takes out a $ 300,000 mortgage. The mortgage is amortized for 30 years with monthly payments at 2(12) = 12%. The term is 10 years and after 10 years they refinance the balance at (12) 14%. All the regular payments for the first 10 years and after 10 years are rounded up to the nearest cent. = (a) [5] Determine the regular payments for the first 10 years. (b) [5] Determine the regular payments after 10 years