classes and object-oriented programming when the code in figure is runit prints fixed total payments $ fixed % points total payments $ for monthsthen total payments $ at first glancethe results look pretty conclusive the variable-rate loan is bad idea (for the borrowernot the bankand the fixed-rate loan with points costs the least it' important to notehoweverthat total cost is not the only metric by which mortgages should be judged for examplea borrower who expects to have higher income in the future may be willing to pay more in the later years to lessen the burden of payments in the beginning this suggests that rather than looking at single numberwe should look at payments over time this in turn suggests that our program should be producing plots designed to show how the mortgage behaves over time we will do that in section