13. A bank offers the following loans: Bank A Bank B $375,000 15-year fixed 4.925% 2.75 discount points M = $2,950.85 $375,000 15-year fixed 5.2% O discount points M = $3,004.69 What is the break-even point for the loans? (4 points) about 12 years about 17 years about 10 years about 16 years