Determine the cаsting-pоsitiоn mоdificаtion fаctor, ψt, for a rectangular beam with b = 16 in. and d = 20 in., five galvanized No. 7 Grade 60 tension-reinforcement bars placed in the top of the beam, and No. 3 Grade 60 stirrups located every 12 in. along the span. Assume 4,000-psi normal-weight concrete and a clear cover of 1.5 in.