4. You are contemplating an investment in a new factory expected to generate net revenues of $15 million per year for as long as you maintain it. You expect maintenance costs will begin at $7.5 million per year and increase by 4% per year into the future. Given that all net revenue and maintenance costs are end-of-year cash flows, you plan to run the operation as long as positive cash flows continue. Assume the factory can be operational immediately for an up-front cost of $65 million. If the interest rate is 2.5% per year, should you invest in the factory? 5. Consolidated Clinton Bank if offering a 30-year mortgage with an APR of 2.75%. What is the monthly payment on this loan, per $1,000 borrowed? Suppose they offer you the special deal of paying a quarter of the monthly payment each week (a total of 52 payments per year). With this modification, how long will it take to pay off the mortgage if the EFF of the loan is unchanged? With the EFF unchanged how do you manage to pay the loan off so much earlier