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For any MPT pool with a prepayment assumption of 50 PSA: Would you expect the prepayment rate in month 40 to be higher or lower

For any MPT pool with a prepayment assumption of 50 PSA:

Would you expect the prepayment rate in month 40 to be higher or lower than the prepayment rate in month 45? Why?

Would you expect the total dollars prepaid in month 40 to be higher or lower than the total dollars prepaid in month 45? Why?

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