Consider a fixed-rate mortgage with the following characteristics: Original balance: $200,000. Note rate: 6.71%. Term: 30 years Assume that at the end of 33 months all rates in the economy fall by 1.54%. Assume that the transaction costs (or prepayment penalty) are $21,934 if you want to refinance with a new loan that has the maturity equal to the remaining life of the original mortgage. What is the gain/loss from refinancing? Express loss as a negative number and gain as a positive number. Round your answer to a dollar unit. e.g. if your answer is 8932.94, write down 8933.