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 c5
Student: ___________________________________________________________________________

1. Bill takes out a loan at j4 = 6%, paid back with quarterly payments for 4.5 years. In the first
payment, the principal repaid is $401.87. What is the amount of the loan? (Answer to the nearest
dollar)

A. $6298
B. $7234
C. $8234
D. $8358

2. A loan at j4 = 8.6% is being repaid over n-quarters, with quarterly payments of $647.18. The
portion of the 9th payment that goes towards principal is $349.23. What is the value of n?

A. 29
B. 37
C. 38
D. 39

3. A loan is taken out at j12 = 18% and is paid back with monthly payments of $279.00, plus a
smaller concluding payment. With one month left on the loan, the outstanding balance is $268.66.
What is the size of the final loan payment?

A. $279.00
B. $272.69
C. $268.66
D. $264.63

4. A loan is being amortized with 25 quarterly payments. The principal portion of the 16 th payment is
$609.34. If j4 = 10%, what is original amount of the loan? (Answer to the nearest dollar)
You are given: ,

A. $7752
B. $14,021
C. $14,371
D. $26,643
5. A company borrows $100,000 with interest at j12 = 9%. The loan is to be amortized by monthly
payments of $1550 for as long as necessary. A final smaller payment will be calculated so the
loan will be exactly repaid. What is the amount of interest paid in the 2 nd monthly payment of
$1550?

A. $806.00
B. $755.63
C. $745.42
D. $744.00

6. A company borrows $100,000 with interest at j12 = 9%. The loan is to be amortized by monthly
payments of $1550 for as long as necessary. A final smaller payment will be calculated so the
loan will be exactly repaid. The outstanding balance immediately after the 88th payment is
$796.44. What is the value of the 89th and final payment?

A. $790.51
B. $796.44
C. $802.41
D. $808.43

7. A loan is being amortized over n-years with monthly payments of $295.32. The rate of interest on
the loan is j12 = 12%. The principal repaid in the 25th payment is $206.41. What is the size of the
loan? (Answer to the nearest dollar)

A. $13,276
B. $13,437
C. $16,095
D. $16,256

8. A loan is being amortized over n-years with monthly payments of $295.32. The rate of interest on
the loan is j12 = 12%. The principal repaid in the 25th payment is $206.41. The outstanding
balance after 25 payments (months) is $8684.79. What is the outstanding balance immediately
after the 26th payment?

A. $8389.47
B. $8476.32
C. $8478.38
D. $8597.94
9. A loan is being repaid by 20 equal semi-annual installments. The principal portion of the 8th
payment is $245.29 and the interest portion is $254.71. What interest rate, j2 is being charged on
the loan?

A. 12.23%
B. 11.26%
C. 10.96%
D. 10.65%

10. A loan is being amortized with 20 annual payments of principal and interest. The principal repaid
in the 13th payment is $801.45 and the interest portion of the 13th payment is $698.55. What is the
effective annual rate of interest, j1 being charged on this loan?

A. 11.01%
B. 10.02%
C. 9.37%
D. 8.15%

11. A loan of size A is to be amortized by monthly payments of $1000. The rate of interest on the loan
is j12 = 18%. The outstanding balance immediately after the 4th monthly payment is $12,000. How
much principal is repaid in the 12th monthly payment?

A. $923.72
B. $914.50
C. $910.07
D. $896.62

12. A loan of $A is repaid over 10 years with quarterly payments at j4 = 10%. The principal portion of
the 12th payment is $300.52. What is A? (Answer to the nearest dollar)

A. $15,438
B. $15,061
C. $11,979
D. $9,898

13. The principal portion of the 20th payment of $R on an amortized loan is $340.95 and the principal
portion of the 21st payment of $R is $348.11. If there are 55 payments in total, what is R?

A. $647.25
B. $659.69
C. $702.43
D. $720.47
14. A loan is amortized at j2 = 12% with semi-annual payments of $R. The outstanding balance of the
loan after 13 payments is $7049.29 and the outstanding balance after 14 payments is $6377.10.
What is R?

A. $1095.15
B. $1054.82
C. $805.58
D. 672.19

15. Exactly five years ago, a $100,000 condominium was purchased by making a $65,000 down
payment and taking out a $35,000 mortgage. The mortgage interest rate was j2 = 8% and monthly
mortgage payments of $267.10 have been made at the end of each month for the past five years.
What is the purchaser's equity (buyer's equity) position today? (Answer to nearest dollar)

A. $32,249
B. $67,249
C. $67,751
D. $80,441

16. The interest portion of the 9th payment of $R on an amortized loan repaid monthly is $8.42. The
interest portion of the 10th payment of $R is $7.77. If interest rate is j12 = 18%. What is R?

A. $12.03
B. $35.72
C. $51.75
D. $60.30

17. A loan of $A is taken out at j12 = 6% and is repaid with monthly payments of $184.91. The
principal portion of the 12th monthly payment is $115.00. What is A? (Answer to the nearest
dollar)

A. $12,564
B. $12,684
C. $15,210
D. $15,318
18. A loan is being repaid with level annual payments of $1040 on July 30th of each year. The last
$1040 loan payment is to be made on July 30, 2015 and the interest portion of this final payment
is $40. What is the principal portion of the payment made on July 30, 2010?

A. $821.93
B. $828.03
C. $854.80
D. $863.84

19. A $200,000 home is financed by paying by making a $60,000 down payment and taking out a
$140,000 mortgage. The equivalent mortgage interest rate is j12 = 7.87% and monthly mortgage
payments of $1068 are to be made. What is the buyer's equity when the mortgage renews 5
years from today? (Answer to the nearest dollar)

A. $129,028
B. $70,972
C. $61,792
D. $10,972

20. A loan is being repaid over 8 years with 32 quarterly payments of $362.19 at j4 = 8%. Under the
amortization method, how much of the 3rd payment goes towards interest on the loan?

A. $158.24
B. $162.24
C. $199.95
D. $203.95

21. The interest portion of the 10th payment of $R on an amortized loan repaid monthly is $7.82, while
the principal portion of the 10th payment $43.93. If interest rate on the loan is j12 = 18%, what is
the term of the loan (n) in months? (Answer to the nearest month)

A. 20
B. 21
C. 136
D. 137
22. A debt is amortized at j4 = x%by payments of $300 per quarter. You are given that the outstanding
balance is $6279.09 just after the kth payment and the outstanding balance is $6136.07 just after
the (k + 1)st payment. What is x?

A. 14.30%
B. 7.22%
C. 28.88%
D. 10.00%

23. A loan is to be repaid with n equal monthly payments. If the sum-of-digits method is applied, the
sum of the amount of interest paid in the first (I1) and last month (In) is equal to the half of the total
amount interest paid. What is the value of n?

A. 4
B. 5
C. 6
D. Value of n cannot be determined.

24. The final payment of a loan with semi-annual payments consists of $5 in interest and $250 in
repayment of principal. What is the nominal rate of interest compounded semi-annually, j2 that is
being charged on this loan?

A. j2 < 1.9%
B. 1.9% ≤ j2 < 2.9%
C. (C).2.9% ≤ j2 < 3.9%
D. j2 ≥ 3.9%

A $10,000 loan is to be repaid with level payments of $600 at the end of every 3 months for as
long as necessary. The loan interest rate is j4 = 6%.

25. What is the interest portion of the third (3rd) payment?

A. $129.44
B. $136.40
C. $156.85
D. $470.56
26. At the end of 2-years, the loan is refinanced at j4 = 4% and paid back over 3 more years. What is
the new quarterly payment?

A. $581.47
B. $551.33
C. $568.89
D. $520.40

27. A loan is being repaid with monthly payments of $250 at the end of each month. The loan interest
rate is j12 = 7.5%. The outstanding loan balance immediately after the 22 nd payment is $5404.80.
What is the principal portion of the 30th payment?

A. $227.27
B. $35.29
C. $225.86
D. $214.71

28. A loan of size A is to be amortized by monthly payments of $1000. The rate of interest on the loan
is j12 = 18%. The outstanding balance immediately after the 4th monthly payment is $12,000.
What is A? (Answer to the nearest dollar)

A. $15,075
B. $15,161
C. $16,000
D. $16,091

29. Meg A. Bux takes out a loan for $10,000 at j4 = 10%, to be repaid with quarterly payments of
$398.38. What is the outstanding balance of the loan just before the 27th payment is made? You
are given: = 36.0117 and = 37.912.

A. $4374.62
B. $4656.59
C. $4773.00
D. $5131.66
30. A company borrows $100,000 with interest at j12 = 9%. The loan is to be amortized by 88 monthly
payments of $1550, plus a final smaller payment. What is the outstanding balance after 40
payments have been made?

A. $63,361.21
B. $62,842.79
C. $62,286.41
D. $28,007.93

31. Jim buys a car worth $20,000. He makes a down payment of $1000 and repays the balance with
equal monthly payments of $450 at the end of each month for as long as is necessary. If interest
on the loan is j12 = 6%, what is the outstanding balance after 24 payments have been made?

A. $9,971.66
B. $10,153.29
C. $11,098.82
D. $11,262.75

32. A loan of A is to be amortized over 10 years with semi-annual payments. The interest rate on the
loan is j2 = 10% and the semi-annual payment is R. After 3 years, the interest rate changes to j2 =
12%. Which of the following will give the correct outstanding balance after 3 years?

A. Option A
B. Option B
C. Option C
D. Option D
33. A loan of $12,000 is being repaid over 5-years with the following payment history:

• &#61472;Quarterly payments of $769.77 for the first two years at j4 = 10%

• &#61472;Loan refinanced at j4 = 8%, with quarterly payments dropping to $746.65 for one year
• &#61472;Loan refinanced again, this time at j4 = 6%

What is the outstanding balance of the loan at this point in time (after 3 years, with 8 payments
remaining)?

A. $5469.57
B. $5589.37
C. $5638.94
D. $6023.86

34. A loan is taken out at j12 = 18% and is amortized with monthly payments of $360.37 for 10 years.
After 4 years, the loan is refinanced at j12 = 12% and the new monthly payment is $308.90. Which
of the following would give the correct outstanding balance after 4 years (48 payments)?
a. 360.37 b. 360.37 c. 308.90 d. 308.90

A. a only
B. a and d
C. b only
D. b and c

35. A house is purchased with a down payment of $25,000 with the remaining $175,000 financed
through a mortgage at j12 = 9% with monthly payments of $1500 for as long as necessary. What
is the seller's equity after 15 years (180 payments)?

A. $118,413
B. $104,049
C. $95,951
D. $70,951

36. A loan of $25,000 is to be repaid with quarterly payments of $1500 for 3 years (12 payments)
followed by quarterly payments of $1000 for as long as is needed. If the interest rate on the loan
is j4 = 10%, what is the outstanding balance after 13 payments? You are given: =
13.79555

A. $11,928.89
B. $12,252.12
C. $12,769.45
D. $15,462.78
37. A house is purchased by a couple who make a down payment of $20,000 and finance the
remaining $100,000 through a mortgage at j12 = 6% with monthly payments of $716.43 for 20
years. What is the buyer's equity after 10 years? You are given: = 90.0735; =
163.8796

A. $35,469
B. $44,531
C. $55,469
D. $64,531

38. A loan of $A is taken out and is to be repaid with level monthly payments over n-years at j12 =
18%. The outstanding balance after 75 payments is $16,855.14 and after 76 payments is
$16,590.17. What is the monthly payment?

A. $252.83
B. $264.97
C. $513.82
D. D) $517.80

39. A loan of $36,000 is to be repaid by quarterly payments over 10 years at j4 = 8%. The first
payment is $1000, the 2nd payment is $1020, the 3rd payment is $1040 and so on. The principal
repaid in the first payment is $280. What is the outstanding balance of the loan after the 2 nd
payment?

A. $35,414.40
B. $35,420.00
C. $35,434.40
D. $35,700.00

40. A debt is amortized at j4 = x%by payment of $300 per quarter. You are given that the outstanding
balance is $6279.09 just after the kth payment and the outstanding balance is $6136.07 just after
the (k+1)st payment. What is x?

A. 7.22%
B. 10.00%
C. 14.30%
D. 28.88%
41. A loan of $3000 is to be repaid by annual payments of $400 for 5 years followed by annual
payments of $450 for as long as necessary (first payment one year from now). If the interest rate
on the loan is j1 = 7%, what is the outstanding balance immediately after the 8th payment?

A. $1407.56
B. $1050.64
C. $889.89
D. $537.65

42. A loan is being repaid over 8 years with 32 quarterly payments of $362.19 at j4 = 8%. Under the
amortization method, what is the outstanding balance of the loan immediately after the 15 th
payment?

A. $5326.58
B. $5261.81
C. $5176.37
D. $4653.87

43. A $22,500 loan is being repaid with annual payments of $4000 at the end of each year for 5
years, followed by annual payments of $2000 thereafter for as long as is needed. The interest
rate is j1= 7%. What is the outstanding balance of the loan just after the 6th payment?

A. $5,153.27
B. $7,153.27
C. $8,763.47
D. $10,763.47

44. A couple purchases a $400,000 home by paying $150,000 cash and financing the rest with a
mortgage. They make weekly mortgage payments of $400, first payment made one week after
the mortgage loan is taken out. The mortgage rate is j2 = 7%, locked in for 5-years. What is the
couple's equity when the mortgage renews? (Answer to the nearest dollar)

A. $228,602
B. $148,963
C. $235,104
D. $171,398
45. A loan of $20,000 that is being repaid over 10-years has the following payment history:

• &#61472;semi-annual payments of $1200 were made for the first two years at j2 = 4%
• &#61472;the loan was then refinanced at j2 = 6%, with semi-annual payments dropping to
$1000 for next three years

What is the outstanding balance of the loan at this point in time (after 10payments)?

Given: = 6.30812, = 4.12161, = 6.46841, = 4.18363

A. $13,475.50
B. $13,887.76
C. $10,502.48
D. $14,435.27

46. Mr. Jones takes out a loan for $10,000 at j4 = 10%, to be repaid with $398.38 at the end of each
quarter. What is the outstanding balance of the loan just before the 27th payment is made? You

are given: = 36.0117 and = 37.912.

A. $4374.62
B. $4656.59
C. $4773.00
D. $5131.66

47. A woman takes out a loan to be paid back over 4 years at j12 = 6% with monthly payments of
281.82. After 14 payments, the outstanding balance on the loan is $8791.53. She then misses the
next 4 payments (from time 15 to 18). She begins making regular monthly payments at time 19. If
she still wants to pay back her loan in full by the end of 4 years, what is the size of her new
monthly payment?

A. $324.30
B. $321.08
C. $322.68
D. $311.48
48. A house is purchased by a couple who make a down payment of $20,000 and finance the
remaining $100,000 through a mortgage at j2 = 6% with monthly payments of $712.19 for 20
years. What is the buyer's equity after 10 years? (Answer to the nearest dollar) You are
given: = 90.3743 and = 163.2259, where i is the equivalent monthly rate of j2 = 6%.

A. $44,531
B. $35,469
C. $64,364
D. $55,636

49. Sandy takes out a loan of $22,000 at j12 = 9%, repaid over 5 years with monthly payments. After
24 payments, the outstanding balance on the loan is $14,361.35. Just after the 24 th payment,
Sandy makes a lump sum payment of $3000 and refinances the loan with monthly payments for
two more years at the same interest rate. What is the new monthly payment?

A. $361.29
B. $473.39
C. $519.04
D. $656.09

50. A woman takes out a loan to be paid back over 4 years at j12 = 6% with monthly payments of
$281.82. After 14 payments, the outstanding balance on the loan is $8791.53. The woman then
misses the next 3 payments (from time 15 to 17). She begins making regular monthly payments
at time 18. If she still intends to pay back her loan in full by the end of 4 years, what is the size of
her new monthly payment? (she has 31 payments left)

A. $306.85
B. $308.39
C. $311.48
D. $313.03
51. A company borrows $100,000 with interest at j12 = 9% to be paid back by monthly payments. After
5 years, interest rates have dropped to j12 = 6% and the company wishes to refinance their loan.
The outstanding balance of the loan after 5 years (60 payments) is $39,660.90. If the company
refinances the loan, they are subject to a penalty equal to 3 times one month's interest on the
outstanding balance. Adding the penalty to the loan balance, and assuming the company will pay
off the loan over 29 more months, what is the new monthly payment? You are given: =
25.9759 = 26.9330

A. $1494.66
B. $1505.71
C. $1549.74
D. $1561.19

52. A large loan is to be repaid over 25 years with monthly payments. After 3 years, the outstanding
balance of the loan is $96,329.18 and the loan is refinanced at j12 = 6%. If the new monthly
payment is $700, what refinancing penalty was assessed? You are given: = 146.3969

A. $3670.82
B. $6148.65
C. $8644.80
D. $12,315.63

53. A loan of $10,000 is to be repaid over 6 years with equal monthly payments at j12 = 15%. After 4
years, the outstanding balance on the loan is $4361.00. The loan carries a prepayment penalty
equal to 3 times one month's interest on the outstanding balance. The borrower refinances the
loan with another bank over the remaining 2 years at j12 = 12%. Taking into account the penalty,
what is the new monthly payment?

A. $219.38
B. $217.79
C. $212.99
D. $211.45
54. Anderson takes out a loan of $22,000 at j12 = 9% to be repaid over 5 years with monthly
payments. After 24 payments, the outstanding balance on the loan is $14,361.35, but Anderson
misses the next 10 monthly payments. At the end of the 34th month, he makes a lump sum
payment of $3000 and refinances the loan such that he still pays off the loan at the end of 5
years. If the interest rate is unchanged, what is the new monthly payment (first payment made at
time 35)?

A. $473.39
B. $519.04
C. $529.92
D. $549.13

55. A corporation takes out a $100,000 loan to be repaid over 6-years with quarterly payments at j4 =
10%. Under the amortization method, the outstanding balance of the loan after 4 years is
$40,090.26. At this time the company refinances the loan, without penalty. The new loan rate is j4
= 8% and the company makes an additional lump sum payment of $5000. What is the new
quarterly payment, assuming the loan is still paid back in full after 6 years?

A. $4790.16
B. $4893.95
C. $5472.71
D. $5591.28

56. A woman takes out a loan to be paid back over 4 years at j12 = 6% with monthly payments of
281.82. After 14 payments, the outstanding balance on the loan is $8791.53. She then misses the
next 4 payments (from time 15 to 18). She begins making regular monthly payments at time 19. If
she still wants to pay back her loan in full by the end of 4 years, what is the size of her new
monthly payment?

A. $311.48
B. $321.08
C. $322.68
D. $324.30
57. 57. A family buys furniture for $1400. They take out a loan for $1400 and repay it with monthly
payments over 4 years at j12 = 13%. If they wish to pay refinance the loan early, they face a
penalty equal to 3 months interest on the outstanding balance. After 18 payments they decide to
refinance with their local bank at j12 = 6%. If they decide to still pay off the loan in full after a total
of 4-years, what is the new monthly payment? You are given: OB18 = $957.60.

A. $34.97
B. $35.57
C. $37.56
D. $40.66

58. Jim takes out a $10,000 loan at j4 = 10%, to be paid back with quarterly payments over 5 years.
At the end of 2 years, the outstanding balance is $6,580.07. At that time, Jim makes a lump sum
payment of $500 and then refinances the loan at j4 = 8%. He also intends to repay the remainder
of the loan over just 2 more years. What is the new quarterly payment?

A. $898.24
B. $847.97
C. $829.99
D. $574.93

59. A company borrows $100,000 with interest at j12 = 9% to be paid back by monthly payments. After
5 years, interest rates have dropped to j12 = 6% and the company wishes to refinance their loan.
The outstanding balance of the loan after 5 years (60 payments) is $39,660.90. If the company
refinances the loan, they are subject to a penalty equal to 3 times one month's interest on the
outstanding balance. Adding the penalty to the loan balance, and assuming the company will pay
off the loan over 29 more months, what is the new monthly payment? You are given: =
25.9759 = 26.9330

A. $1494.67
B. $1505.71
C. $1549.74
D. $1561.19

60. A loan is being repaid with monthly payments of $1349.59 for 20 years using the sum of digits
method. The total interest over the life of the loan is $173,901.60. What is the interest rebate after
140 payments? (Answer to the nearest dollar)

A. $30,367
B. $59,350
C. $72,459
D. $101,443
61. A loan for $15,000 is taken out from a loan company that uses the sum of digits method. It is to
be paid back over 15 years with semi-annual payments of $920.87 at j2 = 9%. What is the interest
portion of the 11th payment?

A. $420.87
B. $515.90
C. $526.08
D. $543.06

62. A loan for $15,000 is taken out from a loan company that uses the sum of digits method. It is to
be paid back over 15 years with semi-annual payments of $920.87 at j2 = 9%. What is the
outstanding balance of the loan after 16 payments?

A. $10,041.13
B. $9,633.83
C. $9,413.99
D. $9,199.38

63. A loan of $15,000 at j2 = 9%, is to be paid back over 10 years with semi-annual payments of
$1153.14. The total interest paid over the life of the loan is $8062.83. Using the sum of digits
method, what is the outstanding balance of the loan after 6 years (12 payments)?

A. $6230.37
B. $7606.03
C. $7842.95
D. $9225.12

64. A corporation takes out a $100,000 loan to be repaid over 6-years with quarterly payments at j4 =
10%. The total interest to be paid on the loan over the 6 years is $34,190.77. Using the sum of
digits method, the outstanding balance of the loan immediately after the 16 th payment is
$40,627.40. How much of the 17th payment goes towards interest using the sum of digits
method?

A. $1218.82
B. $1025.72
C. $1015.69
D. $911.75
65. A loan at j12 = 6%, is being repaid with monthly payments of $154.66 for 5 years using the sum of
digits method. The total interest over the life of the loan is $1279.60. What is the outstanding
balance of the loan after 2 years?

A. $5083.83
B. $5102.07
C. $5357.99
D. $5567.76

66. A $6000 loan is to be repaid with monthly payments of $142.74 over 5-years at j12 = 15%. What is
the principal portion of the 30th monthly payment using the sum of digits method?

A. $43.44
B. $89.97
C. $99.30
D. $100.70

67. A $60,000 loan is paid back over 10 years with monthly payments of $790.18 at j12 = 9.918%.
What is the outstanding balance of the loan after 4 years using the sum of digits method?
(Answer to the nearest dollar) You are given: Total interest = $34,821.12.

A. $42,110
B. $44,288
C. $51,252
D. $56,890

68. A corporation takes out a $100,000 loan to be repaid over 6-years with quarterly payments of
$5591.28 at j4 = 10%. The total interest to be paid on the loan over the 6 years is $34,190.72
Under the sum of digits method, what is the outstanding balance after 10 payments?

A. $65,367
B. $66,311
C. $72,010
D. $78,278
69. A 5-year $6000 loan is to be repaid with monthly payments of $115.99 at j12 = 6%. Just after
making the 30th payment, the borrower has the balance refinanced at j12 = 3% with the term of the
loan to remain unchanged. If the balance is determined by the sum-of-digits method, what will be
the new monthly payment?

A. $121.30
B. $118.20
C. $115.99
D. $112.09

70. A loan of $10,000 is repaid over 10 years with annual payments of $1358.68 at j1 = 6%. How
much of the 6th payment goes towards interest using the sum of digits method?

A. $391.29
B. $343.39
C. $326.07
D. $260.86

71. A loan is being repaid over 8 years with 32 quarterly payments of $362.19 at j4 = 8%. If the total
amount of interest paid over the life of the loan is $3090.08, what is the outstanding balance of
the loan immediately after the 18th payment using the sum-of-digits method?

A. $4982.87
B. $4456.16
C. $4384.76
D. $4069.90

72. A 10 year $25,430 loan is being paid off with semi-annual payments of $3679. The total interest
over the life of the loan is $48,150. What is the outstanding balance of the loan after two years
assuming the sum of digits method?

A. $27,014.14
B. $27,681.14
C. $31,182.86
D. $32,386.73
73. A debt of $15,000 with interest at j2 = 9% is to be paid back over 15 years with semi-annual
payments of $920.87. What is the outstanding balance after 18 payments using the sum of digits
method? (Answer to the nearest dollar)
A) $8,397
B) $8,933
C) $9,166
D) $10,697
Answer: B

A loan of $15,000 at j2 = 9%, is to be paid back over 10 years with semi-annual payments of
$1153.14 using the sum-of-digits method. The total interest paid over the life of the loan is
$8062.83.

74. What is the outstanding balance of the loan after 6 years (12 payments)?

A. $6230.37
B. $7606.03
C. $7842.95
D. $9225.12

75. What is the interest portion of the 5th payment?

A. $614.31
B. $570.19
C. $582.95
D. $575.92

76. A woman borrows $30,000 from a loan company to be repaid by monthly payments of $746.55
over 4 years at j12 = 9%. What is the total amount interest paid in her second and third payments
using the sum of digits method?

A. $471.32
B. $451.47
C. $461.39
D. $438.24
Another random document with
no related content on Scribd:
Il subit, accablé de soleils et de cieux,
L’inexprimable horreur des lieux prodigieux.
Il regarde, éperdu, le vrai, ce précipice.
Évidence sans borne, ou fatale, ou propice!
O stupeur! il finit par distinguer, au fond
De ce gouffre où le jour avec la nuit se fond,
A travers l’épaisseur d’une brume éternelle,
Dans on ne sait quelle ombre énorme, une prunelle!

Cependant sur le haut de l’Olympe on riait;

Les Immortels, sereins sur le monde inquiet,
Resplendissaient, debout dans un brouillard de gloire;
Tout à coup, une étrange et haute forme noire
Surgit en face d’eux, et Vénus dit: Quelqu’un!
C’était Phtos. Comme un feu hors du vase à parfum,
Ou comme un flamboiement au-dessus du cratère,
Le colosse, en rampant dans l’ombre et sous la terre,
S’était fait libre, était sorti de sa prison,
Et maintenant montait, sinistre, à l’horizon.
Il avait traversé tout le dessous du monde.
Il avait dans les yeux l’éternité profonde.
Il se fit un silence inouï; l’on sentit
Que ce spectre était grand, car tout devint petit;
L’aigle ouvrit son œil fauve où l’âpre éclair palpite,
Et sembla regarder du côté de la fuite;
L’Olympe fut noirci par l’ombre du géant;
Jupiter se dressa, pâle, sur son séant;
Le dur Vulcain cessa de battre son enclume
Qui sonna si souvent, dans sa forge qui fume,
Sur les fers des vaincus lorsqu’il les écrouait;
Afin qu’on n’entendît pas même leur rouet
Les trois Grâces d’en haut firent signe aux trois Parques.
Alors le titan, grave, altier, portant les marques
Des tonnerres sur lui tant de fois essayés,
Ayant l’immense aspect des sommets foudroyés
Et la difformité sublime des décombres,
Regarda fixement les Olympiens sombres
Stupéfaits sur leur cime au fond de l’éther bleu,
Et leur cria, terrible: O dieux, il est un Dieu!
 V

L A V I L L E D I S PA R U E
 L A V I L L E D I S PA R U E

Peuple, l’eau n’est jamais sans rien faire. Mille ans

Avant Adam, qui semble un spectre en cheveux blancs,
Notre aïeul, c’est du moins ainsi que tu le nommes,
Quand les géants étaient encor mêlés aux hommes,
Dans des temps dont jamais personne ne parla,
Une ville bâtie en briques était là
Où sont ces flots qu’agite un aquilon immense.
Et cette ville était un lieu plein de démence
Que parfois menaçait de loin un blême éclair.
On voyait une plaine où l’on voit une mer;
Alors c’étaient des chars qui passaient, non des barques;
Les ouragans ont pris la place des monarques;
Car pour faire un désert, Dieu, maître des vivants,
Commence par les rois et finit par les vents.
Ce peuple, voix, rumeurs, fourmillement de têtes,
Troupeau d’âmes, ému par les deuils et les fêtes,
Faisait le bruit que fait dans l’orage l’essaim,
Point inquiet d’avoir l’océan pour voisin.

Donc cette ville avait des rois; ces rois superbes

Avaient sous eux les fronts comme un faucheur les herbes.
Étaient-ils méchants? Non. Ils étaient rois. Un roi
C’est un homme trop grand que trouble un vague effroi,
Qui, faisant plus de mal pour avoir plus de joie,
Chez les bêtes de somme est la bête de proie;
Mais ce n’est pas sa faute, et le sage est clément.
Un roi serait meilleur s’il naissait autrement;
L’homme est homme toujours; les crimes du despote
Sont faits par sa puissance ombre où son âme flotte
Sont faits par sa puissance, ombre où son âme flotte,
Par la pourpre qu’il traîne et dont on le revêt,
Et l’esclave serait tyran s’il le pouvait.
Donc cette ville était toute bâtie en briques.
On y voyait des tours, des bazars, des fabriques,
Des arcs, des palais pleins de luths mélodieux,
Et des monstres d’airain qu’on appelait les dieux.
Cette ville était gaie et barbare; ses places
Faisaient par leurs gibets rire les populaces;
On y chantait des chœurs pleins d’oubli, l’homme étant
L’ombre qui jette un souffle et qui dure un instant;
De claires eaux luisaient au fond des avenues;
Et les reines du roi se baignaient toutes nues
Dans les parcs où rôdaient des paons étoilés d’yeux;
Les marteaux, au dormeur nonchalant odieux,
Sonnaient, de l’aube au soir, sur les noires enclumes;
Les vautours se posaient, fouillant du bec leurs plumes,
Sur les temples, sans peur d’être chassés, sachant
Que l’idole féroce aime l’oiseau méchant;
Le tigre est bien venu près de l’hydre; et les aigles
Sentent qu’ils n’ont jamais enfreint aucunes règles,
Quand le sang coule auprès des autels radieux,
En venant partager le meurtre avec les dieux.
L’autel du temple était d’or pur, que rien ne souille;
Le toit était en cèdre et, de peur de la rouille,
Au lieu de clous avait des chevilles de bois.
Jour et nuit les clairons, les cistres, les hautbois,
De crainte que le dieu farouche ne s’endorme,
Chantaient dans l’ombre. Ainsi vivait la ville énorme.
Les femmes y venaient pour s’y prostituer.
Mais un jour l’océan se mit à remuer;
Doucement, sans courroux, du côté de la ville
Il rongea les rochers et les dunes, tranquille,
Sans tumulte, sans chocs, sans efforts haletants,
Comme un grave ouvrier qui sait qu’il a le temps;
Et lentement, ainsi qu’un mineur solitaire,
L’eau jamais immobile avançait sous la terre;
C’est en vain que sur l’herbe un guetteur assidu
Eû llé ill il ’ û i d
Eût collé son oreille, il n’eût rien entendu;
L’eau creusait sans rumeur comme sans violence,
Et la ville faisait son bruit sur ce silence.
Si bien qu’un soir, à l’heure où tout semble frémir,
A l’heure où, se levant comme un sinistre émir,
Sirius apparaît, et sur l’horizon sombre
Donne un signal de marche aux étoiles sans nombre,
Les nuages qu’un vent l’un à l’autre rejoint
Et pousse, seuls oiseaux qui ne dormissent point,
La lune, le front blanc des monts, les pâles astres,
Virent soudain maisons, dômes, arceaux, pilastres,
Toute la ville, ainsi qu’un rêve, en un instant,
Peuple, armée, et le roi qui buvait en chantant
Et qui n’eut pas le temps de se lever de table,
Crouler dans on ne sait quelle ombre épouvantable;
Et pendant qu’à la fois, de la base au sommet,
Ce chaos de palais et de tours s’abîmait,
On entendit monter un murmure farouche,
Et l’on vit brusquement s’ouvrir comme une bouche
Un trou d’où jaillissait un jet d’écume amer,
Gouffre où la ville entrait et d’où sortait la mer.
Et tout s’évanouit; rien ne resta que l’onde.
Maintenant on ne voit au loin que l’eau profonde
Par les vents remuée et seule sous les cieux.
Tel est l’ébranlement des flots mystérieux.
 VI

APRÈS LES DIEUX, LES ROIS

D E M E S A A AT T I L A
 INSCRIPTION
(Neuf cents ans avant J.-C.)

C’est moi qui suis le roi, Mesa, fils de Chémos.

J’ai coupé la forêt de pins aux noirs rameaux,
Et j’ai bâti Baal-Méon, ville d’Afrique.
J’ai fait le mur de bois, j’ai fait le mur de brique,
Et j’ai dit: Que chaque homme, à peine de prison,
Se creuse une citerne auprès de sa maison,
Car, en hiver, on a deux mois de grandes pluies;
Afin que les brebis, les chèvres et les truies,
Puissent paître dehors au temps des maïs mûrs,
Je réserve aux troupeaux un champ fermé de murs.
C’est moi qui fis la porte et qui fis la tourelle.
Astarté règne, et j’ai fait la guerre pour elle;
Le dieu Chémos, mon père et son mari, m’aida
Quand je chassai de Gad Omri, roi de Juda.
J’ai construit Aroër, une ville très forte;
J’ai bâti la tourelle et j’ai bâti la porte.
Les peuples me louaient parce que j’étais bon;
J’étais roi de l’armée immense de Dibon
Qui boit en chantant l’ombre et la mort, et qui mêle
Le sang fumant de l’aigle au lait de la chamelle;
Je marchais, étant juge et prince, à la clarté
De Chémos, de Dagon, de Bel et d’Astarté,
Et ce sont là les quatre étoiles qui sont reines.
J’ai creusé d’Ur à Tyr des routes souterraines.
Chémos m’a dit: Reprends Nebo sur Israël.
Et je n’ai jamais fait que ce que veut le ciel.
Maintenant, dans ce puits, je ferme la paupière.
Sachez que vous devez adorer cette pierre
Et brûler du bétel devant ce grand tombeau;
Car j’ai tué tous ceux qui vivaient dans Nebo,
J’ai nourri les corbeaux qui volent dans les nues,
J’ai fait vendre au marché les femmes toutes nues,
J’ai chargé de butin quatre cents éléphants,
J’ai cloué sur des croix tous les petits enfants,
Ma droite a balayé toutes ces races viles
Dans l’ombre, et j’ai rendu leurs anciens noms aux villes.
 CASSANDRE

Argos. La cour du palais.

CASSANDRE, sur un char. CLYTEMNESTRE. LE CHŒUR.

LE CHŒUR.

Elle est fille de roi.—Mais sa ville est en cendre.

Elle a droit à ce char et n’en veut pas descendre.
Depuis qu’on l’a saisie, elle n’a point parlé.
Le marbre de Syrta, la neige de Thulé
N’ont pas plus de froideur que cette âpre captive.
Elle est à l’avenir formidable attentive.
Elle est pleine d’un dieu redoutable et muet;
Le sinistre Apollon d’Ombos, qui remuait
Dodone avec le souffle et Thèbe avec la lyre,
Mêle une clarté sombre à son morne délire.
Elle a la vision des choses qui seront;
Un reflet de vengeance est déjà sur son front;
Elle est princesse, elle est pythie, elle est prêtresse,
Elle est esclave. Étrange et lugubre détresse!
Elle vient sur un char, étant fille de roi.
Le peuple, qui regarde aller, pâles d’effroi,
Les prisonniers pieds nus qu’on chasse à coups de lance,
Et qui rit de leurs cris, a peur de son silence.
(Le char s’arrête.)

CLYTEMNESTRE.

Femme, à pied! Tu n’es pas ici dans ton pays.

 LE CHŒUR.

Allons, descends du char, c’est la reine, obéis.

CLYTEMNESTRE.

Crois-tu que j’ai le temps de t’attendre à la porte?

Hâte-toi. Car bientôt il faut que le roi sorte.
Peut-être entends-tu mal notre langue d’ici?
Si ce que je te dis ne se dit pas ainsi
Au pays dont tu viens et dont tu te sépares,
Parle en signes alors, fais comme les barbares.

LE CHŒUR.

Si l’on parlait sa langue, on saurait son secret.

On sent en la voyant ce qu’on éprouverait
Si l’on venait de prendre une bête farouche.

CLYTEMNESTRE.

Je ne lui parle plus. L’horreur ferme sa bouche.

Triste, elle songe à Troie, au ciel jadis serein.
Elle ne prendra pas l’habitude du frein
Sans le couvrir longtemps d’une sanglante écume.
(Clytemnestre sort.)

LE CHŒUR.

Cède au destin. Crois-moi. Je suis sans amertume.

Descends du char. Reçois la chaîne à ton talon.

CASSANDRE.

Dieux! Grands dieux! Terre et ciel! Apollon! Apollon!

APOLLON LOXIAS, dans l’ombre.

Je suis là. Tu vivras, afin que ton œil voie

Je suis là. Tu vivras, afin que ton œil voie
Le flamboiement d’Argos plein des cendres de Troie.
 LES TROIS CENTS

Ξέρξης τὸν Ἑλλήσποντον ἐκέλευσε

τριηκοσίας
ἐπικέσθαι μάστιγι πληγάς.

Hérodote, Polymnie.

I
L’ A S I E
L’Asie est monstrueuse et fauve; elle regarde
Toute la terre avec une face hagarde,
Et la terre lui plaît, car partout il fait nuit;
L’Asie, où la hauteur des rois s’épanouit,
A ce contentement que l’univers est sombre;
Ici la Cimmérie, au delà la Northumbre,
Au delà l’âpre hiver, l’horreur, les glaciers nus,
Et les monts ignorés sous les cieux inconnus;
Après l’inhabitable on voit l’infranchissable;
La neige fait au nord ce qu’au sud fait le sable;
Le pâle genre humain se perd dans la vapeur;
Le Caucase est hideux, les Dofrines font peur;
Au loin râle, en des mers d’où l’hirondelle émigre,
Thulé sous son volcan comme un daim sous un tigre;
Au pôle, où du corbeau l’orfraie entend l’appel,
Les cent têtes d’Orcus font un blême archipel,
Et, pareils au chaos, les océans funèbres
Roulent cette nuit, l’eau, sous ces flots, les ténèbres.
L’Asie en ce sépulcre a la couronne au front,
Nulle part son pouvoir sacré ne s’interrompt,
Elle règne sur tous les peuples qu’on dénombre,
Et tout ce qui n’est point à l’Asie est à l’ombre,
A la nuit, au désert, au sauvage aquilon;
Toutes les nations rampent sous son talon
Ou grelottent au nord sous la bise et la pluie.
Mais la Grèce est un point lumineux qui l’ennuie;
Il se pourrait qu’un jour cette clarté perçât,
Et rendît l’espérance à l’univers forçat.
L’Asie obscure et vaste en frémit sous son voile;
Et l’énorme noirceur cherche à tuer l’étoile.
 II
LE DÉNOMBREMENT

On se mettait en route à l’heure où le jour naît.

Le bagage marchait le premier, puis venait

Le gros des nations, foule au hasard semée,
Qui faisait à peu près la moitié de l’armée.
Dire leurs noms, leurs cris, leurs chants, leurs pas, leur bruit,
Serait vouloir compter les souffles de la nuit.
Les peuples n’ont pas tous les mêmes mœurs; les scythes,
Qui font à l’occident de sanglantes visites,
Vont tout nus; le macron, qui du scythe est rival,
A pour casque une peau de tête de cheval
Dont il a sur le front les deux oreilles droites;
Ceux de Paphlagonie ont des bottes étroites
De peau tigrée, avec des clous sous les talons,
Et leurs arcs sont très courts et leurs dards sont très longs;
Les daces, dont les rois ont pour palais un bouge,
Ont la moitié du corps peinte en blanc, l’autre en rouge;
Le sogde emmène en guerre un singe, Béhémos,
Devant lequel l’augure inquiet dit des mots
Ténébreux, et pareils aux couleuvres sinistres;
On voit passer parmi les tambours et les cistres
Les deux sortes de fils du vieil Ethiopus,
Ceux-ci les cheveux plats, ceux-là les fronts crépus;
Les bars au turban vert viennent des deux Chaldées;
Les piques des guerriers de Thrace ont dix coudées;
Ces peuples ont chez eux un oracle de Mars;
Comment énumérer les sospires camards,
Les lygiens, pour bain cherchant les immondices,
Les saces, les micois, les parthes, les dadyces,
Ceux de la mer Persique au front ceint de varechs,
Et ceux d’Assur armés presque comme les grecs,
Arthée et Sydamnès rois du pays des fièvres
Arthée et Sydamnès, rois du pays des fièvres,
Et les noirs caspiens, vêtus de peaux de chèvres,
Et dont les javelots sont brûlés par le bout.

Comme dans la chaudière une eau se gonfle et bout,

Cette troupe s’enflait en avançant, de sorte
Qu’on eût dit qu’elle avait l’Afrique pour escorte,
Et l’Asie, et tout l’âpre et féroce orient.
C’étaient les nims, qui vont à la guerre en criant,
Les sardes, conquérants de Sardaigne et de Corse,
Les mosques tatoués sous leur bonnet d’écorce,
Les gètes, et, hideux, pressant leurs rangs épais,
Les bactriens, conduits par le mage Hystapès.
Les tybarènes, fils des races disparues,
Avaient des boucliers couverts de peaux de grues;
Les lybs, nègres des bois, marchaient au son des cors;
Leur habit était ceint par le milieu du corps,
Et chacun de ces noirs, outre les cimeterres,
Avait deux épieux, bons à la chasse aux panthères;
Ils habitaient jadis sur le fleuve Strymon.
Les abrodes avaient l’air fauve du démon,
Et l’arc de bois de palme et la hache de pierre;
Les gandars se teignaient de safran la paupière;
Les syriens portaient des cuirasses de bois;
On entendait au loin la flûte et le hautbois
Des montagnards d’Abysse et le cri des numides
Amenant, du pays où sont les pyramides,
Des chevaux près desquels l’éclair est paresseux;
Ceux de Lydie étaient coiffés de cuivre, et ceux
D’Hyrcanie acceptaient pour chef de leur colonne
Mégapane, qui fut prince de Babylone;
Puis s’avançaient les blonds miliens, studieux
De ne point offenser les démons ni les dieux;
Puis ceux d’Ophir, enfants des mers mystérieuses;
Puis ceux du fleuve Phta qu’ombragent les yeuses,
Cours d’eau qui, hors des monts où l’asphodèle croît,
Sort par un défilé long et sinistre, étroit
Au point qu’il n’y pourrait passer une charrette;
 u po t qu y pou a t passe u e c a ette;
Puis les gours, nés dans l’ombre où l’univers s’arrête.
Les satrapes du Gange avaient des brodequins
Jusqu’à mi-jambe, ainsi que les chefs africains;
Leur prince était Arthane, homme de renommée,
Fils d’Artha, que le roi Cambyse avait aimée
Au point de lui bâtir un temple en jade vert.
Puis venait un essaim de coureurs du désert,
Les sagastes, ayant pour toute arme une corde.
La légion marchait à côté de la horde,
L’homme nu coudoyait l’homme cuirassé d’or.
Une captive en deuil, la sibylle d’Endor,
S’indignait, murmurant de lugubres syllabes.
Les chevaux ayant peur des chameaux, les arabes
Se tenaient à distance et venaient les derniers;
Après eux cheminaient, encombrés des paniers
Où brillait le butin rapporté des ravages,
Cent chars d’osier traînés par des ânes sauvages.
L’attroupement, formé de cette façon-là
Par tous ceux que la Perse en ses rangs appela,
Épais comme une neige au souffle de la bise,
Commandé par vingt chefs monstrueux, Mégabise,
Hermamythre, Masange, Acrise, Artaphernas,
Et poussé par les rois aux grands assassinats,
Cet énorme tumulte humain, semblable aux rêves,
Cet amas bigarré d’archers, de porte-glaives,
Et de cavaliers droits sur les lourds étriers,
Défilait, et ce tas de marcheurs meurtriers
Passait pendant sept jours et sept nuits dans les plaines,
Troupeau de combattants aux farouches haleines,
Vaste et terrible, noir comme le Phlégéton,
Et qu’on faisait marcher à grands coups de bâton.
Et ce nuage était de deux millions d’hommes.
 III
LA GARDE

Ninive, Sybaris, Chypre, et les cinq Sodomes

Ayant fourni beaucoup de ces soldats, la loi
Ne les admettait point dans la garde du roi.
L’armée est une foule; elle chante, elle hue;
Mais la garde, jamais mêlée à la cohue,
Muette, comme on est muet près des autels,
Marchait seule. Et d’abord venaient les Immortels,
Semblables aux lions secouant leurs crinières;
Rien n’était comparable au frisson des bannières
Ouvrant et refermant leurs plis pleins de dragons;
Tout le sérail du roi suivait dans des fourgons;
Puis marchaient, plus pressés que l’herbe des collines,
Les eunuques, armés de longues javelines;
Puis les bourreaux, masqués, traînant les appareils
De torture et d’angoisse, à des griffes pareils,
Et la cuve où l’on fait bouillir l’huile et le nitre.
Le perse a la tiare et le mède a la mitre;
Les Dix mille, persans, mèdes, tous couronnés,
S’avançaient, fiers, ainsi que des frères aînés,
Et ces soldats mitrés étaient sous la conduite
D’Alphès, qui savait tous les chemins, hors la fuite;
Et devant eux couraient, libres et sans liens,
Ces grands chevaux sacrés qu’on nomme nyséens;
Puis, commandés chacun par un roi satellite,
Venaient trente escadrons de cavaliers d’élite,
Tous la pique baissée à cause du roi, tous
Vêtus d’or sous des peaux de zèbres ou de loups;
Ces hommes étaient beaux comme l’aube sereine;
Puis des prêtres portaient le pétrin où la reine
Faisait cuire le pain sans orge et sans levain;
Huit chevaux blancs tiraient le chariot divin
De Jupiter, devant lequel le clairon sonne