Mortgage rates are still at relatively low levels. Bill decides to explore the possibility of refinancing his mortgage (i.e. replace his original mortgage with a new mortgage). He contacts a local lender to determine the terms under which he can refinance. The outstanding balance on the Bill's mortgage is $234,000. The local lender presents Bill with three alternative loan options. All three loans are standard 30-year fixed-rate mortgages (with monthly payments). The loans differ in terms of the stated interest rate on the loan and the fees due today to refinance. The Exam Upload spreadsheet contains the loan data. The pink-shaded table describes the key loan parameters for each loan (interest rates are in annual terms). For each loan, compute the following: - The monthly loan payment assuming that the fees due today are paid separately with cash (i.e., the fees are not included as part of the loan). - The monthly loan payment assuming that the fees due today are rolled into the loan (i.e., added to the mortgage balance)