You are considering a mortgage for 30 years with initial value $380, 000, and annual interest rate 11.00%. You can reduce your interest rate by buying points. The bank will sell you a point for 1% of the initial value of the loan. Each point you buy reduces your interest rate by 0.50%. You are considering buying 5 points. If you buy these points, how long until your lower monthly payments pay back the cost for these points? a) 26 months. b) 28 months. c) 33 months