Assume you borrow an ARM of $80,000 for 30 years. Given initial interest rate-5%, margin=2%, index rate at EOY1-6%, EOY2=4.5%, an annual rate cap-2%, and the lender charges 3 points upfront, what is the loan balance at the end of year 2 (24th month)? $71,071 O $77.952 O $75,067 569.955