You are planning to buy a $400,000 home with a 20-year mortgage and an annual interest rate of 4%. You will make monthly payments. Part a. 1. Develop an amortization table (remember to include the FORMULATEXT() function to show your calculations for each column of the table). 2. Create a Data Table to show the monthly payments required based on different values for the mortgage term and the annual interest rate. Part b. Even though your mortgage contract is for 20 years, the interest rate is only fixed for a few years. Make the necessary changes to your amortization table / financial model to incorporate: 1. A new interest rate at the beginning of year 6 until the end of year 10 2. A new interest rate at the beginning of year 11 until the end of year 20 Note: the new interest rates are unknown. Your model must be intuitive to incorporate the input of new interest rates