A borrower takes out a 30 year adjustable rate mortgage loan for 180,000$ with monthly payments. The first 2 years of the loan have a teaser rate of 5%, after that the rate can reset with a 7% annual payment cap. on the reset date the composite rate is 6.5%. assume that the loan allows for negative amortization. what would be the outstanding balance on the loan at the end of year 3.