An investor borrows $100,000 at 5% (30-year FRM). Exactly 5 years later, she pays down the principal amount by $15,000. Approximately how long will it now take to fully amortize (pay off) the mortgage? 218 months or about 18 years 196 months or about 16 years 188 months or about 15% years 211 months or about 171/2 years 236 months or about 191/2 years