Naomi is cosidering refinancing her mortgage. She currently has 120 payments of $900 left on her fully amortizing loan. The bank is offering Naomi a new fully amortizing mortgage for 10 years (also 120 payments) at a lower interest rate so that her monthly payments will be $750. The costs of refinancing are $10,000. What is the Naomi's IRR for this refinancing option if she intends to stay in the house until the mortgage matures? State your answer as a percent number rounded to two decimal points (e.g. if your answer is 10.466%, write 10.47) Hint: don't forget to multiply your monthly rate by 12 and format your answer to get two decimal points for the annual IRR.