You are about to take a mortgage and you plan to hold it for 18 years. A lender offers you a 30-year fixed-rate mortgage of $225,000 at a contract rate of 6.5% with 2 discount points. Another lender offers you a 18-year fixed-rate mortgage of $225,000 at a contract rate of 5.67%. What amount of discount points on the 18-year loan will equalize the effective costs of these loans over the 18-year holding period