Your parents are considering a 30-year, $200,000 mortgage that charges 0.5% interest each month. Formulate a model in terms of a monthly payment p that allows the mortgage (loan) to be paid off after 360 payments. If an represents the amount owed after n months, what are a₀ and a₃₆₀? For Problems 7–10, formulate a dynamical system that models change exactly for the described situation.