An existing mortgage with a $200,000 balance has a 5% rate and 20 years remaining. Monthly payments are $1320. A new 30-year $200,000 mortgage is offered with a 4.5% rate, so payments would be $1013/month. There is a 1% loan origination fee, and also $2000 in miscellaneous closing costs (i.e. lender title insurance) on the new loan. To make a rational refinancing decision, what is the approximate "breakeven" point for house tenure for the borrower