Victoria has a 30-year mortgage with a principal of $200,000 at a rate of 8% APR, and has just made her 22th payment. On top of her mortgage payments, she also makes monthly payments into a reserve account, which the bank uses to pay her fire and liability insurance ($1,200 annually) and property taxes ($3,300 annually). a) By how much does she shorten the term of the loan if she makes an extra loan payment today? b) By how much does she shorten the term of the loan if she makes an extra payment equal to her typical loan payment plus her typical reserve account payment (all towards the loan)? c) By how much does she shorten the term of the loan if she increases each payment to 135% of the current value (assume the extra reserve payment cash goes towards the loan)?