You owe $80,000 on your current mortgage. You have 12 years remaining on the mortgage. Your current rate is 8%, and the new rate would be 5.5%. You need to pay an 8% refinancing fee on your remaining balance to refinance. How much will you save (indicate as a positive number of dollars) or lose (indicate as a negative number of dollars, e.g., -2000) if you refinance? For this problem, do not consider income tax effects