As a graduating senior from the University of Dayton with a promising career in finance, Central Bank offers you a mortgage of $200,000. You may choose between a 30-year mortgage with an interest rate of 4.375% or a 15-year mortgage at 3.500%. Both interest rates are annual stated rates with interest compounded monthly. (note that this is the same as in In-class exercise 5) Assume that for 30-year mortgage, the bank requires you to pay 1% point. Compute an amortization