Consider a 20-year $250,000 5/1 ARM having a 2.2% margin and based on the CMT index. Suppose the interest rate is initially 6% and the value of the CMT is 5.1% five years later. Assume that all interest rates use monthly compounding. Calculate the monthly payment for the first 5 years. Calculate the unpaid balance at the end of the first 5 years. Calculate the monthly payment for the 6th year