Ms. Bell's mathematics class consists of 6 sophomores, 13 juniors, and 10 seniors. How many different ways can Ms. Bell create a 3-member committee of sophomores if each sophomore has an equal chance of being selected?

Pamela has a 30-year, 5.75% mortgage on her $250,000 home. she has been paying on it for 5 years, and has recently hit some financial trouble. if her lender agreed to lower the interest rate on her $231,905.47 balance to 5.5%, what will her new payment be for the remainder of the loan?