Javier has a mortgage for $923,514.00. The term of the mortgage is 4 years, and the amortization period is 15 years. Javier will make monthly payments and the mortgage rate is p(12) = 5.500%. After 2 years, the interest rate drops to 4.750% compounded monthly, and he decides to refinance his loan. In order to refinance, she has to pay a penalty of 3 months interest (based on the original interest rate), which is added to the outstanding balance on the new mortgage. a) What is the outstanding balance at the time Javier decides to refinance (not including the penalty)? b) What is the amount of the penalty? c) The new mortgage has is for the outstanding balance plus the penalty. The term is 2 years, and the amortization period is 13 years. What are the the new monthly payments? $