37) You are given a $170,000 30-year fixed-rate mortgage (fully amortizing) at a 7% interest rate. In 13 years, the market interest rate drops to 6%, and you decide that you may want to refinance your loan at this new rate. If you choose to refinance, you have to pay $3,000 in cash up front to do so. What is the annual return on this refinancing investment if you plan to relocate 7 years after refinancing? A) 30.29% B) 29.59% C) 4% D) 7%