Show the full amortization schedule for a $275,000 loan with a 4% stated annual interest rate, interest-only payments for the first five years, and a balloon payment at the end of year 6 that includes the years applicable interest plus all principal owed. Then show the full amortization schedule for a $275,000 loan with a 4% stated annual interest rate and six years of equal year-end payments (the loans described in this problem would not likely be home mortgage loans). Indicate the amount of interest the borrower pays during the second year on the amortization schedule for the second loan, and then compute that year 2 interest amount with the formulas