Five years ago, you acquired a 30-year loan of $130,450, charging 6.8% annual interest, compounded monthly, and requiring monthly payments. At this time, interest rates on 15-year loans have dropped to 2.2% 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