A1 is the first term of a sequence, r is a common ratio, and d is a common difference. Write the first five terms. 12. a1 = 2, r = -2
13. a1 = 3, d = 7
14. a1 = -100, r = 1/5
15. a1 = 19, d = -4

Pamela has a 30-year, 5.75% mortgage on her $250,000 home. she has been paying on it for 5 years, and has recently hit some financial trouble. if her lender agreed to lower the interest rate on her $231,905.47 balance to 5.5%, what will her new payment be for the remainder of the loan?