On March 1, you borrow $339,000 to buy a house. The mortgage rate is 6.75 percent APR compounded semi-annually. The loan is to be repaid in equal monthly payments over 20 years. The first payment is due on April 1. How much of the third payment applies to the principal balance [Hint: You need to make amortization table up to 4 periods]? (Make timeline, write the formula that you are going to use, and if you use calculator to get final answer then show the sequence key entries)