Gayle has a HELOC with MCAP Financial Corporation at an interest rate of prime +2%. Her current balance owing on November 1 is $13,000.00 and she is required to make interest-only payments on the first of every month. The prime rate is set at 3.25%. She makes one payment of $2,750.00 on January 19. Create three months of her repayment schedule. (Round all monetary values to the nearest penny.) (Use a minus sign before the dollar sign to denote a negative monetary value. For example, "-\$149.63".) (Give all "Number of Days" quantities as fractions with denominator 365.) Could you also explain how you found the "Balance before Transaction" for each