Consider a variable rate mortgage for $100,000 with a 300-month amortization period, and with a nominal semiannual rate of 5% at loan origination. Suppose that the rate is held constant for the first 12 monthly payments. Then in month 13 (so affecting the 13th payment) and for the remainder of the loan's life, the rate on the loan falls to a nominal semiannual rate of 2%. If the payment were held constant (e.g. if the loan's term were not fixed at 60 months, but rather the payments and interest rate were constant at the initial month 1 payment until the balance were paid off) n which month (in which payment) will the loan balance reach zero?