Mindy has a 20-year adjustable rate mortgage with a rate of 3.6% for the first 4 years. The monthly payment is $1,375.01. The amount of the mortgage is $235,000. What is the remaining balance after 4 years rounded to the nearest dollar? (2 points)

a

$188,000

b

$200,464

c

$169,000

d

$191,026