8. Seven years ago, Bennie took out a loan for the purchase of a home. The loan was for 20 years (monthly payments) in the amount of 5300,000 at an interest rate of 4.8%, compounded monthly. Interest rates have dropped, and he is in the process of refinancing the loan over the remaining 13 years at a rate of 4.0%, compounded monthly. To make the refinance worthwhile, the most he should be willing to pay for the refinance charges (at the time of the refinance) is closest to