Suppose you take a $30-$year, one$-$year adjustable, monthly payment ARM of $$450,000$ with two discount points. Your payment in year one is $$2,697\mathrm{.}98,$ your payment in year two is $$3,288\mathrm{.}87,$ and your outstanding balance at the end of year two is $$440\mathrm{.}419.$ If you repay the loan at the end of year two, what is the effective cost? EXPLAIN USING FINANCIAL CALCULATOR KEYSTROKES FOR EVERY STEP