A $190,000 mortgage is to be amortized by making monthly payments for 20 years. Interest is 6.5% compounded semiannually for a three-year term. a. Compute the size of the monthly payment. b. How much interest will be included in the first payment? c. Determine the balance at the end of the three-year term. d. What is the cost of the debt for the first three years? d. If the mortgage is renewed for a 5-year term at 7.25% compounded semiannually, what is the size of the monthly payment for the renewal period?