You just obtained a $100,000 mortgage. The mortgage is for 30 years and has a fixed nominal annual rate of 8 percent, with monthly payments. (1) What is EAR of this mortgage loan? (2) What will be the monthly payment? (3) What is the 2nd month interest payment? (4) If you would like to pay it off in 20 years, by how much will your monthly payment have to change to accomplish this objective?