Emerson takes out a 30-year mortgage for $200,000 with a 3.48% APR. (For all parts of this question, round up to the cent.)

1. After 10 years, how much has Emerson paid in total?
2. What is the remaining balance at this point?
3. If they were able to pay off balance at this time, how much would they have paid in total to the lender?
4. After 20 years, how much has Emerson paid in total?
5. What is the remaining balance at this point?
6. If they were able to pay off balance at this time, how much would they have paid in total to the lender?
7. If Emerson takes the full 30 years to pay off the mortgage, how much would they have paid in total to the lender?