Question 3: Consider a mortgage loan with the following characteristics: Total principal amount: 400,000 . Interest rate : 5% Years to maturity: 15 years Frequency: 12 monthly payments) a) Write a function that prepares the amortization schedule for this loan. (let's call this offer a). In [ ] : b) For the same principal amount, the customer is provided with a competing offer (let's call this offer b) as follows: Total principal amount: 400,000 . Interest rate : 7% Years to maturity: 10 years Frequency: 12 monthly payments) Under which offer the customer pays more total interest? Offer in a) or b)? In [ ]