Smith wishes to sell his house for 200,000. Jones has 100,000 available for a down payment, and can take a bank loan with monthly payments at (12) = .15. Smith offers to take back the mortgage for 100,000 with monthly payments at (12) = 12, based on a 25-year amortization period, with a provision that Jones will refinance the outstanding balance of the loan else- where after 3 years. Jones accepts Smith's offer. Immediately after the transaction Smith sells the loan to a broker for a price that yields the broker ;(12) = .15 over the 3-year period. (The broker becomes entitled to the 3 years of monthly payments as well as the outstanding balance.) What is the net amount that Smith receives for the house