(4.) 10 Points - One year ago you bought a home and got a $250,000 30 year, 7.5% fixed-rate mortgage loan. Today, mortgage interest rates have plunged and new 30 year, fixed rate mortgages are now available at 5.5%. If you refinanced, it would cost you $3,500 in fees to get this new mortgage. Assume that the mortgage balance is still equal to the original amount, i.e. $250,000. If you refinanced your mortgage at the new lower rate, how long (ignoring the time value of money) would it take you to recover the fees that you incurred in refinancing your mortgage?