A house is purchased for $350,450. A down payment of 15% is made and the remainder is financed with a thirty-year fixed loan to be paid off in monthly installments at the end of each month. Assume the annual interest rate is 9% convertible monthly.

a) At what time does the balance reach 50% of the amount originally financed? b) At what time does the percentage of each payment to principal first exceed 50%? c) What is the total amount of interest paid?
d) What is the loan balance just after payment number 145?