The Robinson family is considering purchasing a house in the Ottawa area for $650,000. They wish to amortize the loan over 25 years, and pay for the mortgage through monthly payments over 3 years at a current interest rate of 5.8% compounded monthly. They family is calculating the change in interest rates if at the end of the third year interest rates change from 5.8% to 6.1% compounded monthly. Determine the value of the current payment and the new payment after year 3.

A) Current payment = $4,113.55; new payment = $4,367.36
B) Current payment = $4,108.85; new payment = $4,217.13
C) Current payment = $4,202.15; new payment = $4,423.27
D) Current payment = $4,333.45; new payment = $4,673.23
E) Current payment = $4,123,67; new payment = $4,523.87

Simplify:
$\frac{(x^5)(x^6)}{x^9}$