You just took out a $110 000 mortgage for piece of lake-front land in northern Alberta. You negotiated with your bank for a 9.5% nominal interest rate (compounded monthly) and a 20-year amortization period (the duration over which the loan is calculated to be repaid). (a) Draw the cash flow diagram (5 points) and calculate your monthly payments (10 points). (b) A short time later, you're interested in refinancing your mortgage. How much do you still owe after three years (15 points)