To buy a $180,000 house, you take out a 10% (APR compounded monthly) mortgage for S 150,000. Five years later, you sell the house for $215,000 (after all other selling expenses). What equity (the amount that you can keep before tax) would you realize with a 35-year repayment term? Note: For tax purpose, do not consider the time value of money on $30,000 down payment made five years ago. The realized equity would be S thousand. (Round to the nearest whole number.)