[Solved] The interest rate for the first three years of an $163,000 mortgage is 5.4% compounded semi-annually. Monthly payments are based on a 20-year amortization. If a $4,000 prepayment is made at the end of the 16<sup>th</sup> month: a) How much will the amortization period be shortened? b) What will be the principal balance at the end of the three-year term? Self-Perceptions: How individuals view themselves, including their belief in their abilities, characteristics, and value. Sexual Behavior: Actions related to the expression of sexuality and sexual preferences. Sexual Behavior: Actions or practices related to the expression of sexuality, including both physical and emotional aspects. Erotic Preferences: An individual's patterns of sexual attraction and desire towards certain stimuli or sexual practices.