Marcella's house cost $120,000. She paid a 20 percent down payment and then borrowed the rest at 6.5 percent for 20 years. 
 If she must pay $7.46 per $1,000, how much will she repay over 20 years, rounded to the nearest dollar?
 $14,553.60
 $145,536.00
 $158,690.00
 $171,878.00