Assume the following for a fully amortizing adjustable mortgage loan tied to the one-year Treasury rate, with 1 year adjustment intervals: Loan amount: 150,000; annual rate cap: 2%; life-of-loan-cap: 5%; margin: 2.75%; first year contract rate: 5.5%; 1-year Treasury rate today: 6.25%; 1-year Treasury rate at end of year 1: 5.25%; 1-year Treasury rate at end of year 2: 5.5%; loan term in years: 30. Assume that the Treasury rate at its EOY 2 value for the remaining mortgage term. Given these assumptions, calculate the following a. Initial monthly payment; b. Loan balance end of year 1; c. Year 2 contract rate; d. Year 2 monthly payment; e. Loan balance end of year 2; f. Year 3 contract rate; g. Year 3 payment; and h. If the upfront fees are 2% of the loan amount, what APR must the lender quote the borrower