Suppose that you take out a $$425,000\mathrm{.}00$ mortgage for $30$ years at $3\mathrm{.}67\%$ interest. This mortgage will be repaid with monthly payments.

a$)$ Create the amortization table for this loan in Excel. What is the first payment number where the amount of the principal exceeds the amount of interest?b$)$ How many years will it take to reach this payment number?