Question 3: [12 marks total] The Steins buy a house and take out a $500,000 mortgage. The mortgage is amortized over 25 years with and has a 5 -year term. They make monthly payments at an interest rate of i(2)=6%. i) After 4 years, the interest rates drop to i(2)=5%. If a penalty of three months' interest on the outstanding balance is charged to refinance the mortgage, should they refinance the mortgage? They wish to keep the original amortization for the loan. [8 marks] ii) Show the first two and last two lines of the amortization table of the original mortgage. [4 marks]