Terrance made a list of his expenses. He is creating a check-off matrix to organize when his bills are due. A check-off matrix is a table without dollar amounts. You can use a matrix to indicate what time of the year an expense will occur. Help Terrance complete his check-off matrix by placing an X in the correct cells of the table according to his list of expenses. mortgage payment: monthly utilities: monthly insurance: quarterly internet: monthly cell phone: monthly car loan: semiannually lawn care: monthly, April–September food: monthly day care: every other month beginning with February gym membership: annually, July