In the last 5 years, the interest rate on purchasing a home has been u =4.3% o=0.2%following a normal distribution. You purchase a $250,000 home at a rate that is 1.5 standard deviations below the average for a 30-year term. If you refinance after 15 years, how much will you be refinancing at that time?

Clearly explain your reasoning and solution process in complete sentences.