A borrower takes out a 30-year adjustable rate mortgage loan for $200,000 with monthly payments. the first two years of the loan have a "teaser" rate of 4%, after that, the rate can reset with a 2% annual rate cap. on the reset date, the composite rate is 5%. what would the year 3 monthly payment be? a) $955 b) $1,067 c) $1,071 d) $1,186