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$4)$ Ricky Parrish plans on purchasing a home in the San Luis Drive Neighborhood for $$1\mathrm{.}2$ million. She plans on putting $30\%$ down and financing the balance with a mortgage from Chase Bank on Chorro Street. Ricky is considering two mortgage options: $1)30-$year fixed rate, APR $6\mathrm{.}974\%$ or $2)15-$year fixed rate, APR $6\mathrm{.}394\%.$ What is the monthly payment on each loan option? What are the EARs? Prepare loan amortization schedules for the $15-$year AND $30-$year mortgages. How much interest will Ricky pay over the life of each loan choice? What are the interest savings for financing with a $15-$year mortgage versus a $30-$year mortgage? Why don't more people choose shorter mortgages when financing their home purchases?

$5)$ According to a recent WalletHub report, the average credit card balance is $$10,848$ per American household, at an average $22\mathrm{.}75\%$ APR. How long will it take for a credit card balance of $$10,848$ to be paid off with monthly $$217$ minimum payments? How much interest will the credit card debt cost?