A homeowner took out a 15 -year fixed-rate mortgage of $140,000. The mortgage was taken out 7 years ago at a rate of 7.4 percent. If the homeowner refinances, the charges will be $1,000. What is the highest interest rate at which it would be beneficlat to refinance the mortgage? Note: Do not round intermediate calculotions. Enter your onswer as a percent rounded to 2 decimal places