Madeline obtained a $225,000 mortgage at 5.25% compounded semiannually for a five year term. Monthly payments are calculated using a 25-gear amortization. At the outset, Madeline decided to round up her monthly payments to the next higher $100. How much less will Madeline owe at the end of the five-year term as a result of rounding up her payments than if she had not rounded them up?