You have decided to refinance your mortgage. You plan to borrow whatever is outstanding on your current mortgage. The current monthly payment is $2356, and you have made every payment on time. The original term of the mortgage was 30years, and the mortgage is exactly 4 years and 8 months old. You have just made your monthly payment. The mortgage interest rate is 6.200% (APR withsemi-annual compounding). How much do you owe on the mortgagetoday?

(Note: Be careful not to round any intermediate steps less than six decimalplaces.)