You are considering two payment options on a $$700,00025-$year mortgage having an interest rate of $4\%$ compounded semi$-$annually. The first option is to make monthly payments at the start of each month, while the second is to make payments at the end of each month. How much total interest will be saved over the life of the loan by choosing the first option? answer is $$3640$ please show steps $($not excel$)$