answer the question from pictures

You need to borrow $200,000 to buy your new home. You decide to enter into a 30-year mortgage with your local ha nit, Rady Financial Services, at an Annual Percentage Rate {APR} of 3% and monthly payments. Your first monthly payment will occur 1 month from today. a} After two years of making payments, what is the total amount of interest you will have paid Rady Financial Services? (3 points} b} After two years of making payments, you notice that interest rates have fallen and you are considering refinancing the existing principal on your loan at the new lower rate. You learn that the total cost of refinancing will be $14,630. To what APR must have rates fallen in order to make refinancing your loan at this new, lower rate a good idea? Provide the new APR rounded to the nearest tenth of a percent (e.g., 1.7% or 2.196). {3 points] Problem 4: In your spare time, you start loo king at some investment advertisements online. a} The first one that intrigues you says, \"Pay us 590 a year for 9 years [first payment 1 year from today], and we will pay you $90 a year thereafter in perpetuity {starting in year 10]." Is there any discount rate for these cash flows that makes this a good deal? If NO, explain why. If YES, say whether the discount rate must be GREATER THAN or LESS THAN what rate? [You can round the rate to the nearest percent}. {3 points] In] The second one that intrigues you says the following, \"Give us $1000 today and in 5 years we will give you Stock 2's share price times 20.\" [for example, if Stock 2 is trading at $60 in 5 years, you would receive 560 it 20 = 81200}. Stock 2 has a current price of $45 a share. Is there any discount rate {i.e. expected return) for Stock Z that makes this a good deal? If NO, explain why. If YES, say whether the discount rate must be GREATER THAN or LESS THAN what rate? [You can round the rate to the nearest percent]. [3 points)