Johanna just purchased a home and took out a $180,000 mortgage for 20 years at 5%, compounded monthly. a. How much is Johannas monthly mortgage payment? b. Prepare an amortization table for the traditional 20-year mortgage. c. Assume Johanna makes her normal mortgage payments and at the end of four years, she refinances the balance of her loan at 3%. If she continues to make the same mortgage payments, how soon after the first four years will she pay off his mortgage? Please answer all the questions in one excel file with equations