Alpha borrows $625,000 to purchase an apartment at a rate of J2 = 6.37%. The loan is to be repaid over 30 years with payments occurring twice a month, starting in half a month. The rate is locked for 6 years. Should Alpha decide to break the contract, a penalty equal to 3 months of payments (i.e. 6 payments) will be incurred. Two years have passed and Alpha has just msade his 48th payment. Rates have are now J2 = 5.72%. Should Alpha break the contract and refinance at the new rate