Five years ago, you acquired a 30 -y ear loan of $130,550, charging 6.8% annual interest, compounded monthly, and requiring monthly payments. At this time, interest rates on 15 -year loans have dropped to 2.3% APR, compounded monthly, and you wish to refinance what you still owe with a new loan at this new rate. (a) How much (in dollars) will you be refinancing? Round your answer to the nearest dollar. (b) How much (in dollars) will your new monthly payment be after refinancing? Round your answer to the nearest cent