What is the step by step formula for figuring out a home mortgage?

Answers

Answer 1

The step by step formula for figuring out a home mortgage is given by the equation: M = P [ i (1 + i )ⁿ ] / [ (1 + i )ⁿ - 1]

A standard mortgage payment means paying back your loan amount and any interest that the bank stated at the time of giving the loan.

It can also include taxes and insurance with your monthly mortgage rate, but this can be calculated separately.

The equation takes into account your total loan payment with the monthly interest rate and the length of time you have to pay off your loan that is the time period. It gives you a fixed monthly mortgage rate.

Therefore, the step by step formula for figuring out a home mortgage is given by the equation: M = P [ i (1 + i )ⁿ ] / [ (1 + i )ⁿ - 1]

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Related Questions

Every year, Dakota and her sister attend 'The Nutcracker' at the Hillsdale Ballet. Last year, orchestra seating cost $68.50 per ticket. This year, it costs $50.69. What is the percent of decrease in the cost of each ticket?

Answers

The percent of decrease in the cost of each ticket is 26%

What is the percent of decrease in the cost of each ticket?

We know that last year, the cost of a seat was $68.50, then we can write the relation:

$68.50 = 100%

So the original cost is the 100% in our calculations.

The cost now is $50.69, and this is equivalent to a percentage X, so we can write:

$50.69 = X

Now we can write the quotient between these two equations to get:

X/100% = $68.50/ $50.69

X = ($50.69/ $68.50)*100% = 74%

Then the percentage decrease is:

100% - 74% = 26%

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Question 2 The location of line segment MN is shown on the coordinate plane below. 104 y D M NIE -TEET 2 3 4 5 6 7 8 9 To * E What is the length of MN? OCUL Illuminate Education TM Inc.

Question 2 The location of line segment MN is shown on the coordinate plane below. 104 y D M NIE -TEET

Answers

The coordinate grid shows two endpoints M and N.

The distance between two endpoints on a coordinate grid is calculated as;

\(\begin{gathered} d=\sqrt[]{(x_2-x_1)^2+(y_2-y_1)^2} \\ \text{The coordinates are M(5, 6) and N(2, 1)} \\ \text{Therefore you have,} \\ x_1=5,y_1=6,x_2=2,y_2=1 \\ d=\sqrt[]{(2-5)^2+(1-6)^2} \\ d=\sqrt[]{-3^2+-5^2} \\ d=\sqrt[]{9+25} \\ d=\sqrt[]{34} \\ d=5.83095\ldots \\ d\approx5.8 \end{gathered}\)

The length of MN therefore is 5.8 units (approximately)

John researches a baseball card and finds that it is currently worth $5.75. However, it is supposed to increase in value 12% per year. In how many years will the card be worth $27.09? If necessary, round the final answer to two decimal places.

The card will be worth $27.09 in ____ years

Answers

By working with the exponential function, we will see that after 13.68 years the value of the card will be $27.09.

In how many years will the card be worth $27.09?

We know that the original value is $5.75, and it increases a 12% per year, then the value of the card is given by the exponential function:

\(f(x) = \$ 5.75*(1 + 0.12)^x\)

We want to find the value of x such that:

f(x) = $27.09, so we need to solve:

\(f(x) = \$ 5.75*(1 + 0.12)^x = \$ 27.09\\\\(1.12)^x = 27.09/5.75\)

Now we can apply the natural logarithm to both sides:

\(ln(1.12^x) = ln(27.09/5.75)\\\\x*ln(1.12) = ln(27.09/5.75)\\\\x = \frac{ln(27.09/5.75)}{ln(1.12)} = 13.68\)

This means that after 13.68 years, the value of the card will be $27.09.

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2 1/4 divided by 1 1/2

Answers

Answer: 3/2

Step-by-step explanation:

Answer:

3/2 or 1 1/2

Step-by-step explanation:

\(2\frac{1}{4}/1\frac{1}{2} \\\frac{9}{4}/\frac{3}{2} \\(\frac{9}{4})(\frac{2}{3})\\\frac{18}{12} \\\frac{3}{2} or 1\frac{1}{2}\)

Find the slope and y intercept of the graph . Please help ! Thank you

Find the slope and y intercept of the graph . Please help ! Thank you

Answers

Answer:

Slope: \(-\frac{1}{2}\)

Y-intercept: 3

Equation:  \(y =-\frac{1}{2} x + 3\)

Step-by-step explanation:

The line intercepts the y-axis at the point (0, 3).

The line appears to be rising by -1 and running by 2. This gives us the slope, \(-\frac{1}{2}\).

We can use these two parts to put together the equation: \(y =-\frac{1}{2} x + 3\)

Hope this helps! Let me know.

What is the area of the square that measures 3.1 m on each side

Answers

The area of the square with a side length of 3.1 meters is 9.61 square meters.

To find the area of a square, we need to multiply the length of one side by itself. In this case, the square has a side length of 3.1 m.

Area of a square = side length × side length

Substituting the given side length into the formula:

Area = 3.1 m × 3.1 m

To perform the calculation:

Area = 9.61 m²

It's worth noting that when calculating the area, we are working with squared units. In this case, the side length is in meters, so the area is expressed in square meters (m²). The area represents the amount of space enclosed within the square.

Remember, to find the area of any square, you simply need to multiply the length of one side by itself.

The area of the square with a side length of 3.1 meters is 9.61 square meters.

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The angles on an original drawing must be multiplied by the scale factor to find the angles on a scale copy.
O True
O False

Answers

False
When a drawing is scaled, the angles are preserved, meaning they don’t change.

6. During an independent research, 2500 randomly selected people were interviewed whether they visit their dentist for a regular dental checkup or not. Only 2000 gave a positive answer. Calculate a 95% two-sided confidence interval on the proportion of people who regularly have a dental checkup.

Answers

Answer:

0.80+/- 0.016

(0.784, 0.816)

The 95% confidence interval on the proportion of people who regularly have a dental checkup is = (0.784, 0.816)

Step-by-step explanation:

Confidence interval can be defined as a range of values so defined that there is a specified probability that the value of a parameter lies within it.

The confidence interval of a statistical data can be written as.

p+/-z√(p(1-p)/n)

Given that;

Proportion p = 2000/2500 = 0.80

Number of samples n = 2500

Confidence interval = 95%

z-value(at 95% confidence) = 1.96

Substituting the values we have;

0.80+/- 1.96√(0.80(1-0.80)/2500)

0.80+/- 1.96√(0.000064)

0.80+/- 0.01568

0.80+/- 0.016

(0.784, 0.816)

The 95% confidence interval on the proportion of people who regularly have a dental checkup is = (0.784, 0.816)


What should be included in a financial plan to protect assets?

Answers

The answer is how much insurance you will carry.

0,1,3,14,28,45 điền số tiếp theo

Answers

Answer: \(67\)

Step-by-step explanation:

\(0+1+3=4, \\\\ 4+10=141+3+4=8 \\8+20=283+4+8=15 \\\\ 15+30=454+8+15=27 \\\\ 27+ 40=67\)

Think of 5 positive integers that have a mode of 4, a median of 8, a mean of 9 and a range of 12 what are the 5 integers

Answers

Answer:

{4, 4, 8, 13, 16}

Step-by-step explanation:

If we have a set of N numbers in order:

{x₁, x₂, ..., xₙ}

The median is the middle number of the set.

The mode is the value that is repeated more times in the set

The mean is computed as:

\(M = \frac{x_1 + x_2 + ... + x_n}{N}\)

And the range is the difference between the largest value and the smallest value.

Here we want 5 positive integers, so we have something like:

{x₁, x₂, x₃, x₄, x₅}

We know that the median is 8.

Then the middle value, x₃, is equal to 8.

We also know that the mode is 4, then we can have the number 4 repeated two times, and because 4 is smaller than 8 and this must be in order, then we can have:

x₁ = x₂ = 4

Replacing these in the set we have:

{4, 4, 8, x₄, x₅}

Now we know that the range is 12, and this was the difference between the largest and smallest value.

We know that the smallest value is 4, and the largest value is x₅, then we will have:

x₅ - 4 = 12

x₅ = 12 + 4 = 16

Then our set is:

{4, 4, 8, x₄, 16}

Finally, we know that the mean is 9.

Remember that the equation for the mean is:

\(M = \frac{4 + 4 + 8 + x_4 + 16}{5}\)

Then we need to solve:

\(9 = \frac{4 + 4 + 8 + x_4 + 16}{5}\)

\(9*5 = 4 + 4 + 8 + x_4 + 16}\)

\(45 = 32 + x_4\)

\(45 - 32 = x_4 = 13\)

Then the set of five positive integers is:

{4, 4, 8, 13, 16}

for each of the number lines, write an absolute value equation in the form |x-c|=d, where c and d are some numbers, to satisfy the given solution set.

for each of the number lines, write an absolute value equation in the form |x-c|=d, where c and d are

Answers

An absolute value is the numerical value of a number without consideration of its sign. It can be represented graphically by a straight line known as a number line. Absolute value equations are equations that include absolute values of variables or unknown quantities. The following are examples of how to write an absolute value equation in the form |x-c|=d to fit the provided solution sets:

Example 1:

Solution set: {x|x≤-3 or x≥1}
Absolute value equation: |x-(-1)|=4
Explanation: -1 is the midpoint of the two ranges (-3 and 1) in the solution set. |x-(-1)|=|x+1| is the absolute value expression for the midpoint -1. The distance d from -1 to the solutions' furthest endpoints, 1 and -3, is four, hence the value of d in the absolute value equation is 4.
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Which fraction is closest to 1/2
?

Which fraction is closest to 1/2?

Answers

The fraction which is closest to 1/2 is, 3/8. So option B is correct

What is a fraction?

Fraction is a mathematical term, which represents the portion or sub-parts of the whole thing. Basically, It has two parts: numerator and denominator.

Numerator is a number which lies on the top side, it indicates the number of equal parts taken and denominator is on the bottom side, it indicates the equal parts of the whole number.

Given that,

A fraction number 1/2

In decimal form = 0.5

Closest fraction number = ?

Most closest number is that number from which we subtract the given number and the magnitude of result we get is very less,

Lets take, A fraction 1/6

In decimal form it can written as,  0.167

Difference 1 =  0.5 - 0.167

                  =   0.333

Similarly, For numbers 3/8, 3/4, -1/2

Difference 2 =  0.5 - 0.375  = 0.125

Difference 3 =  0.5 - 0.75  = -0.25

Difference 4 =  0.5 - (-0.5)  =  1.0

It can be seen that,

Magnitude of difference in case of 3/8 is very less

Hence, the closest number is 3/8

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solve the equation secx=2 on interval[0,2pie)

Answers

The threes solutions to the given equation sec²x - secx = 2 are:

\(x_1=\frac{\pi}{3} ; \quad x_2=\frac{5 \pi}{3} ; \ x_3=\pi\)

What exactly are equations?An equation is a statement composed of two expressions joined by an equal sign. An equation is 3x - 5 = 16. By solving this equation, we obtain the value of the variable x as x = 7.

To solve: sec²x - secx = 2 on interval [0,2\(\pi\))

When we set t = sec x, we get the quadratic equation:

\(t^2-t-2=0\)Which has the solutions: \(t_1=2 ; \quad t_2=-1\)

As a result, we must seek solutions to the equations:

\([1] \sec x=2: \quad \cos x=\frac{1}{2} \rightarrow x_1=\frac{\pi}{3} ; \quad x_2=\frac{5 \pi}{3} ;$\\\text { [2] } \sec x=-1: \quad \cos x=-1 \rightarrow x_3=\pi ;\)

Therefore, the three solutions are:

\(x_1=\frac{\pi}{3} ; \quad x_2=\frac{5 \pi}{3} ; \ x_3=\pi\)

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The correct question is given below:
solve the equation sec²x - secx = 2 on interval [0,2\(\pi\))

Colin is paid £90.72 for a 8 hour shift.
What is Colin's pay per hour?

Answers

11.34 per hour .-. Hope I helped

I need help with this question please.

I need help with this question please.

Answers

Answer:

12

Step-by-step explanation:

We know that ,

Sum of all exterior angles of a polygon = 360° .

So that ,

5x+4 + 4x+9 + 9x-6 + 4x+1 + 7x+4 = 36029x +12 = 360 29x = 348 x = 348/29 x = 12

is it possible for a binomial and trinomial to have the same degree?

Answers

Answer:

No

Step-by-step explanation:

B/c trinomial has exactly 3 terms and binomial only have 2

Which of the following expressions is in simplified form?

Answers

there’s nothing there

what single decimal multiplier would you use to decrease by 2% followed by a 7% decrease?

Answers

9514 1404 393

Answer:

  0.9114

Step-by-step explanation:

The multiplier for a series of changes is the product of the multipliers for each of the changes:

  (1 -2%)(1 -7%) = (0.98)(0.93) = 0.9114

the lengths of the right sides of a right triangle were 12 cm and 16 cm The first side is increasing at a rate of 2 cm/sec and the second side is decreasing at a rate of 1 cm/sec so that the triangle keeps its shape Find the rate of change of the area of the triangle after two seconds have passed

Answers

The rate of change of the area of the triangle after two seconds have passed is 16 cm².

What is Right Angled Triangle?

Right angled triangle are those triangle for which one of the angle is 90 degrees.

Area of a right angled triangle = \(\frac{1}{2}\) × base × height

Given that, the lengths of the right sides of a right triangle were 12 cm and 16 cm.

Initial area of the triangle = \(\frac{1}{2}\) × 12 × 16

                                          = 96 cm²

The first side is increasing at a rate of 2 cm/sec and the second side is decreasing at a rate of 1 cm/sec.

After 2 seconds, length of base = 12 + (2 × 2) = 16 cm

After 2 seconds, length of height = 16 - (2 × 1) = 14 cm

Area of the triangle after 2 seconds = \(\frac{1}{2}\) × 16 × 14

                                                            = 112 cm²

Rate of change of area = 112 cm² - 96 cm² = 16 cm²

Hence the rate of change of area is 16 cm².

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True or false question someone plz helppp!!! I’ll cash you Fr !

True or false question someone plz helppp!!! Ill cash you Fr !

Answers

Answer:

yes it will......I'm not to sure

how to solve this question

how to solve this question

Answers

For the  trigonometric identity

11. If cos 27° = x, then the value of tan 63° interims of "x" is  x/√1 - x²

12. If Θ be an acute angle and 7sin²Θ + 3 cos²Θ= 4, then tan Θ is  1/√3

13. The value of tan 80° × tan 10° + sin² 70° + sin² 20° is 2

14. The value of (sin 47°/cos 43°)² + (cos 43°/sin 47°) -  4 cos²45° is 0

15. If 2 (cos²Θ - sin²Θ) = 1, Θ is a positive acute angle them the value of Θ is  30°

16. If 5 tan Θ = 4, then (5 sin Θ - 3 cos Θ)/(5 sin Θ + 2 cos Θ) is equal to 1/6

17. If sin(x + 20)° = cos (x + 10)° then the value of "x" is  30°

18. The value of (sin 65°)/ (cos 25°) is 1

How do we find the various trigonometric identity?

To solve the various   trigonometric identity;

11. Given: cos 27° = x

We know that cos (90 - θ) = sin θ

So, cos 63° = sin 27°

And sin 63° = √1 - cos²27°

Substituting cos 27° = x, we get

sin 63° = √1 - x²

Therefore, Therefore, tan 63° = sin 63° / cos 63° = cos 27° / cos 63° = x / cos 63°.

= x/√1 - x²

12. Given: Θ is an acute angle and 7sin²Θ + 3 cos²Θ= 4

Since Θ is an acute angle, sin²Θ + cos²Θ = 1

Substituting sin²Θ + cos²Θ = 1 into the equation 7sin²Θ + 3 cos²Θ= 4, we get

7 (sin²Θ/ cos²Θ) + 3 = 4/cos²Θ - 4 sec²Θ

⇒ 7tan²Θ + 3 = 4(1 + tan²Θ)

⇒ 7tan²Θ + 3 = 4 + 4 tan²Θ

⇒3 tan²Θ = 1

⇒ tan²Θ = 1/3

⇒ tanΘ = 1/√3

13. For tan 80° × tan 10° + sin² 70° + sin² 20°

⇒ tan 80° = cot (90 - 80)° = cot 10°

⇒  sin 70° = cos (90 - 70) = cos 20°

⇒ cot 10° × tan 10° +  cos 20° + sin² 20°

= 1 + 1 = 2

14. (sin 47°/cos 43°)² + (cos 43°/sin 47°) - 4 cos²45°

= (sin 47°/cos43°)² + (cos 43°/sin 47°)² - 4(1/√2)²

= (sin (90° - 43°)/cos43°)² +  (cos (90° - 47°)/sin)²  = 4(1/2)

= (cos 43°/cos 43°)² + (sin 47°/ sin   47°)² - 2

= 1 + 1 - 2 = 0

15. 2 (cos²Θ - sin²Θ) = 1

cos²Θ - sin²Θ = 1/2

Since Θ is an acute angle, sin²Θ + cos²Θ = 1

Substituting sin²Θ + cos²Θ = 1 into the equation cos²Θ - sin²Θ = 1/2, we get

cos²Θ - (1 - cos²Θ) = 1/2

2cos²Θ = 3/2

cos Θ = √3/2(cos 30° = (√3)/2

= 30°

16. Given: 5 tan Θ = 4

We know that tan Θ = sin Θ / cos Θ

So, 5 sin Θ / cos Θ = 4

5 sin Θ = 4 cos Θ

Dividing both sides of the equation by 5, we get

sin Θ / cos Θ = 4/5

∴ sin Θ = 4/5 cos Θ

given that the expression is (5 sin Θ - 3 cos Θ)/(5 sin Θ + 2 cos Θ)

we substitute sin Θ = 4/5 cos Θ  into the equation

⇒(5 × 4/5 cos Θ  - 3 cos Θ)/(5 × 4/5 cos Θ  + 2 cos Θ)

= (4-3)/(4 + 2) = 1/6

17. Given: sin(x + 20)° = cos (x + 10)°

We know that sin(90 - θ) = cos θ

So, sin(x - 20)° = sin(90 - (3x + 10))°

⇒ (x - 20)° = (90 - (3x + 10))°

⇒ x - 20° = 90° - 3x + 10

⇒ 4 x = 120°

⇒ x = 120°/4

⇒ x = 30°

18. To find the value of (sin 65°) / (cos 25°), we can use the trigonometric identity:

To solve this, we can use the following trigonometric identities:

sin(90 - θ) = cos θ

cos(90 - θ) = sin θ

We can also use the fact that sin²θ + cos²θ = 1.

Rewrite sin (65°) / cos (25°)

sin (65°) = cos (25°)

∴ cos (25°)/ cos (25°) = 1

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Find the slope of the line

Find the slope of the line

Answers

Answer:

-2

Step-by-step explanation:

Slope equals rise over run. The line goes forwards by two and down by 4 between the two charted points, so the slope would be -4/2 or -2.

Show your work to get full credit. Solve the following problem with any method you want.

12 divided by 0.03

Answers

Answer:

12 ÷ 0.03 move two places to the right

12÷3

4

IM A LIL LOST CAN SOMEBODY SOLVE THE EQUATION

IM A LIL LOST CAN SOMEBODY SOLVE THE EQUATION

Answers

Step-by-step explanation:

It's just asking you to rewrite it in vertex form. Which would be

\((x + 10) ^{2} - 4\)

Solve the inequality for x. 10x>9(2x-5)-11
Explain what your solution means, what values would make the equation true?

Answers

Step-by-step explanation:

Solve the inequality for x.

10x > 9(2x - 5) - 11

10x > 18x - 45 - 11

10x > 18x - 56

subtract 18x from both sides:

10x - 18x > 18x - 56 - 18x

-8x > - 56

divide both sides by -8 and remember to flip the sign:

-8x/-8 < - 56/-8

x < 7

This means that x can be any number below 7.

In set builder notation: (-∞ , 7).

Simplify all ratios and keep them as improper fractions


If arc cos = -8/17 and arc sin is negative, then arcsin is _____ and arctan is ______

Answers

To find arcsin, we need to use the identity:

sin(arcsin(x)) = x

Since arcsin is negative, sin(arcsin) is also negative. Therefore, we can say:

sin(arcsin) = -sqrt(1 - (cos)^2)

where (cos)^2 = 8/17

Substituting, we get:

sin(arcsin) = -sqrt(1 - (8/17))

Simplifying, we get:

sin(arcsin) = -sqrt(17/17 - 8/17)

Simplifying further, we get:

sin(arcsin) = -sqrt(9/17)

Therefore, arcsin = -sqrt(9/17)

To find arctan, we need to use the identity:

tan(arctan(x)) = x

Substituting, we get:

tan(arctan) = -8/17

Therefore, arctan = -8/17

So, arcsin is -sqrt(9/17) and arctan is -8/17.

Find the complete factored form of the
polynomial :
-8m²n-7m² nª
Enter the correct answer.

Answers

The polynomial -8m²n - 7m²n can be factored using the common factor -m²n. The complete factored form of the polynomial is (-m²n) (8 + 7a).

To find the complete factored form of the polynomial -8m²n - 7m²n, we can factor out common terms from both the terms. The common factor in the terms -8m²n and -7m²n is -m²n. We can write the polynomial as:

-8m²n - 7m²n = (-m²n) (8 + 7a)

Therefore, the complete factored form of the polynomial -8m²n - 7m²n is (-m²n) (8 + 7a). This expression represents the original polynomial in a multiplied form. We can expand this expression using distributive law to verify that it is equivalent to the original polynomial.

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If 4 workers can paint a room in 3 hours, then approximately how long does it take 6 workers to paint the same room? Assume the time needed to paint the room is inversely proportional to the number of workers.
a. 12 hours 3 hours
b. 2 hours 4 hours

Answers

Answer:

the answer is 2 hours

Step-by-step explanation:

I took a picture of the question

I took a picture of the question

Answers

The transformation in the picture is option c Reflection.

Given,

Reflection transformation:

A reflection is a transformation that works similarly to a mirror by switching all pairs of points that are directly across from one another along the line of reflection. A mathematical formula or the two sites it passes through can be used to define the line of reflection.

According to the law of reflection, r = I the angle of incidence and reflection are equal. θ r = θ I . At the point where the ray strikes the surface, the angles are measured in relation to the perpendicular to the surface.

Here,

In the picture the transformation is reflection.

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10.1 approximately how many more calories are there in 2 slices of bacon than there are in 3 slices of trasted turkey? why is there a difference? An air-conditioning system requires a 20m long section of 15cm diameter duct work to be laid underwater. Determine the upward force the water will exert on the duct. Take the densities of air and water to be 1.3 kg/m^3 and 1000 kg/m^3, respectively. when 3-iodo-3-ethylpentane is treated with sodium methoxide in methanol, the major organic product is an that is generated through an mechanism. group of answer choices alkene, e2 ether, sn1 ether, sn2 ether, e1 alkene, e1 a horizontal force of 30N is extended on a 5kg so that object slides on a friction less surface. what amount of acceleration is produced by the object Between Nkombe and Smets classification of African philosophy and Orukas four trends in African philosophy which one do you prefer and why ? HELP! 25 POINTSFactorise: ab(x +1) + x(a+b) A circuit has an operating voltage of 220 volts. The circuit resistance is 55 ohms which limits the current to 4 amperes. You wish to add enough resistance to limit the current to 2 amperes. How much total resistance would you need in this circuit givena triangle with side ollenghts of 5 and 8 which iniquality describes all possible lenghs of the thhird side a ball of mass m falls vertically, hits the floor with a speed vi , and rebounds with a speed vf . what is the magnitude of the impulse exerted on the ball by the floor? To exercise maximum control over the factors they are interested in studying, researchers engage inA)case studies.B)correlational research.C)experimentation.D)surveys. Please help Its probability and statistics rising interest rates tend to group of answer choices contract the level of economic activity. increase the level of business investment. indicate governmental expansion of the economy. signal the trough of a recessionary market. What impression is the narrator trying to make with her outfit? Explain, citing any relevant details from the text that help communicate this information (love in the headscarf According to Coakley, anarchy is reference to: Group of answer choices widespread lawlessness during social protest widespread use of performance enhancing drugs widespread overconformity that leads to general lawlessness widespread underconformity that leads to general lawlessness The first unit took 10 hours and the fourth unit took 8.1 hours to complete. What is the learning curve after his son was born, john took three weeks of unpaid leave from his company. he returned to his regular full-paying job after the three weeks. which type of family-friendly benefit did john use? the nurse provides a class about salmon patches (nevus simplex) to new mothers. when teaching the mothers, the nurse should include which statement? What value of x makes this equation true 0.6x-5=0.1x+7 Consider the following two sequences:Sp1 GGG GGG GGC GGG GGC GGG GGG GGGSp2 GGA GGG GGG GGC GGG GGA GGT GGTWhich species shows stronger codon bias?A. Species 1B. Species2 what might explain why the insurance companies would require a slightly higher effective annual yield on the coupon bonds compared to the bonds with no coupons?