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Initially, a mortgage loan of $225,000 with an interest rate of 5.75% and amortised over 25 years with a 5-year term was taken out. At the renewal time, the interest rate was reduced to 4.50%. If your client opts for a 3-year term this time, what will the balance at the end of this new term be (consider the new amortization for the second term by removing the elapsed time of the first term)