Interest for the initial four-year term of a $109,000 mortgage is 5.46% compounded semi-annually. The mortgage is to be repaid by equal monthly payments over 15 years. The mortgage contract permits lump-sum payments at each anniversary date up to 10% of the original principal. (a) What is the balance at the end of the four-year term if a lump-sum payment of $9,500 is made at the end of the third year? (b) How many more payments will be required after the four-year term if there is no change in the interest rate? (c) What is the difference in the cost of the mortgage if no lump-sum payment is made? (a) The outstanding balance at the end of fourth year is $ (Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places as needed.) (b) The number of payments is (Round the final answer up to the nearest whole number. Round all intermediate values to six decimal places as neoded.) (c) The difference in cost is s (Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places as needed.)