Five years ago, the Youngs purchased a house and took out a mortgage of $600,000 from the BMO bank. They amortized the mortgage over 25 years at 2.79% compounded semi-annually for a 5-year term. The bank calculated their monthly payment should be $2,776. What percentage of the mortgage have they paid off after making 3 years of payments? Question 15 options: 26.02% 6.96% 2.09% 8.68% 91.32%