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You and your significant other have 30% of $80,000 per year (that is, $24,000), which you can dedicate to a mortgage payment. You have two choices of lending institutions, which each offer a different different interest rates: 5.5% and 6.5%, and you can choose amortization periods of either 20 years or 30 years. For each of the four cases, assuming annual payments, what value of home can you buy? Briefly discuss the implications of the different interest rate and amortization time