One year ago you took out a $$300,000,25-$year fixed$-$rate mortgage at a rate of $3\mathrm{.}5\%,$ compounded semi$-$annually. You have made $12$ monthly payments. Your mortgage loan offers a prepayment privilege of $$5,000$ to be applied directly against the mortgage balance. If you take advantage of this prepayment privilege today and maintain the same level of monthly payments, by how much will you reduce your mortgage amortization period? Round to the nearest month