Use the information below to answer question 8 & 9. Suppose you have just closed on a new home. Now you have a 15-year, $200,000 mortgage with a contract rate of 3.45 percent (APR) to be repaid with monthly principal and interest payments. 8. What is your monthly payment? 9. How much total interest will you have paid on the loan (after 15 years of payments)? 10. List several applications (other than education, retirement funding, mortgages, and loans) for time value of money (TVM)