A borrower has a secured, 30 year, $150,000 loan with an interest rate of 9%. 15 years later, the borrower has the opportunity to refinance at 7%. The upfront fees to refinance are $3,000, which will be paid in cash. a. Calculate the ROI if the borrower if the borrower goes through with the refinance and remains in the home for the next 15 years (i.e., the last 15 years of the original 30-year loan term). b. What if the borrower expects to relocate in 10 years (i.e., at Year-25 of the original 30-year loan term)? Calculate the effect on ROI