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with amortized loans, such as mortgage is a) the proportion of interest to the total increases later in the payment schedule

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with amortized loans, such as mortgage is

a) the proportion of interest to the total increases later in the payment schedule.

b) return of principal is always more than half of the payment amount.

c) interest is always more than half of the payment amount.

d) the proportion of interest to the total decreases later in the payment schedule.