You take out a standard, 30-year mortgage with fixed monthly payments to purchase your house. The mortgage is for $250,000, with a nominal annual rate of 3.6% (monthly compounding). Each month, you send in a check for $1,265.01, which is above the required payment, where the excess payment directly reduces the outstanding balance each month. What portion of your payments in months 13-24 go toward interest? 70.11% 57.09% 66.07% 73.03% 64.15%