A $750,000 mortgage loan that is being fully amortized with level pay- ments over 20 years has 5 years remaining. The contract interest rate is 7 percent. The borrower refinances with a 15-year, fully-amortizing wrap- around loan that carries a contract interest rate of 8.25 percent. To keep the monthly payment below $3,000, over how many years must the wraparound be amortized? Round your answer to the nearest whole year.