Question #1 (10 Points): Vivian has a fixed rate CPM of $410,000 that will be fully amortized over 30 years through monthly payments. The mortgage rate is 14.00%, and there is a 4 points loan discount fee (on initial mortgage loan amount) and 2.7000% prepayment penalty (on loan balance outstanding at the time of prepayment) charged by the banker. Vivian is planning to prepay the mortgage at the end of 5 years. What is Vivian's effective (All-In) borrowing cost (% rounded to two decimal places)? [Round the monthly interest rates in decimal to six decimal places, the monthly payments to two decimal places, the loan balances to zero decimal places]