You take out a $250, 000/30 year mortgage at an interest rate of i (12) = 6%, with constant monthly payments at the end of each month. After 10 years, you pay off the loan by taking out a 20 year mortgage at an interest rate of i (12) = 3%, with constant monthly payments at the end of each month. How much less are you paying per month in the last 20 years in comparison to the first 10 years?