The interest rate for the first three yedrs of an $39,500 mortgage is 4.4% compounded semiannually. Monthly p a 20-year amortization. If a $5,000 prepayment is made at the end of the siateenth month. 0. How much will the amortization period be shortened? The amortization period will be shortened by months b. What will be the principal balance at the end of the three-year term? (Round your answer to the nearest cer Principal balance