A recent college graduate borrows $150,000 at an interest rate of 6% to purchase a condominium. Anticipating steady salary increases, the buyer expects to make payments at a monthly rate of 800 + 10t, where t is the number of months since the loan was made. (a) Assuming that this payment schedule can be maintained, when will the loan be fully paid? (b) Assuming the same payment schedule, how large a loan could be paid off in exactly 20 years?