Problem 5-20 You have decided to refinance your mortgage. You plan to borrow whatever is o current mortgage . The current monthly payment is $2,356 and you have made ev The original term of the mortgage was 30 years , and the mortgage is exactly fou old. You have just made your monthly payment. The mortgage interest rate is 6. do you owe on the mortgage today ? Complete the steps below using cell references to given data or previous calcula simple cell reference is all you need. To copy/paste a formula across a row or do absolute cell reference or a mixed cell reference may be preferred. If a specific E used , the directions will specify the use of that function . Do not type in numerica function. Instead, make a reference to the cell in which the data is found. Make y in the blue cells highlighted below. In all cases, unless otherwise directed, use th the data in your formulas , usually the Given Data section Monthly payment 2,356 Number of years 30 Periods per year 12 Periods into the loan 56 APR 6.375 % Discount rate 0.53125 % Periods remaining 304 PV of mortgage 354,899.99 Requirements 1 In cell D12 , by using cell references , calculate the discount rate (1 pt.). 2 In cell D13 , by using cell references , calculate the number of periods rem pt.). 3 In cell D14 , by using cell references , calculate the amount that you owe o Note : The output of the expression or function you typed in this cell is ex number