You take a fixed-rate mortgage for $140,000 at 7.25% for 30 years, monthly payments. At the end of year two, you unexpectedly inherit $35,000 from your now-favorite grandmother. You decide to apply this $35,000 to the principal balance of your loan. a. What is the mortgage monthly payment after you apply the $35,000 to the principal? b. How much interest do you save over the life of the loan by doing this assuming that the mortgage is held to maturity? Please show using Excel