Jingfei bought a house 6 years ago for $200,000. Her down payment on the house was the minimum required 10% at that time she financed the remainder with a 30-year fixed rate mortgage. The annual interest rate was 8% and she was required to make monthly payments, and she has just made her 72th payment. A new bank has offered to refinance the remaining balance on Jingfei's loan and she will have to pay $1,320 per month for the next 24 years, but the total fees she will have to pay today to get the new loan is $1,000. Should she take the new offer? How much will she gain or lose in today's dollars if she does? Annual interest rates are still 8%.