Todd Foley is applying for a $136,000 mortgage. He can get a $838 monthly payment for principal and interest and no points, or a $728 monthly payment with 2.35 points. Approximately, how many months will it take Todd to cover the cost of the discount points if he takes the lower monthly payment

If canada has a surplus of paper products produced but its consumers demand more cleaning solutions, and the us has an abundance of cleaning solutions but consumers are demanding more paper products, how would trade benefit both countries? trade would assist both countries by creating excess demand. trade would assist both countries by strengthening their natural resources. trade would assist both countries to both reduce excess supply and satisfy market demand.