A partially amortizing mortgage is made for $61,000 for a term of 10 years. The bortower and lender agree that a batance of $20,200 will remain and be repald as a lump sum ot that time. Required: a. If the Interest rate is 7 percent, whot must monthily poyments be over the 10 -year period? b. If the borrower chooses to repay the loan ofter flve years instead of at the end of year 10 , what must the loan balance be