Although there is no legal obligation on the part of the lender to allow full repayment during the loan term in a closed mortgage with a term under five years, lenders typically allow prepayment of the remaining outstanding balance but with a penalty of the greater of ___________ or the ______________ on the amount to be prepaid. Group of answer choices three months' interest; interest rate differential (IRD) three months' interest; interest prepayment penalty (IPP) six months'; interest prepayment penalty (IPP) five months' interest; interest rate differential (IRD)