Find the steady-state vector for the transition matrix. 
Definitions:
Loan Payment Schedule
A detailed plan showing the amount and timing of payments required to repay a loan, including both principal and interest components.
Amortized Loan
A loan with scheduled periodic payments that consist of both principal and interest, designed to pay off the debt over a set period.
Effective Rate
The actual interest rate an investor receives or pays on a financial product, factoring in the effects of compounding.
Amortization Schedule
A table detailing each periodic payment on an amortizing loan, including breakdowns of principal and interest.
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