For an 18-year fixed payment loan for $200,000 with an annual interest rate of 5.20% and making QUARTERLY payments, what percent of your first payment would apply to the principal?

A financial planner recommends that you have accumulated $2.0 million by the time that you retire in 25 years. If you can earn an annual rate of return of 5%, how much must you invest for each of the next 25 years in order to achieve this goal?