You take out a mortgage for a $600,000 house. At the time when you took out the original mortgage, real annual interest rates were 5% and inflation was running at an annual rate of 2%. The original mortgage was financed using the nominal market interest rate with equal nominal monthly payments over 30 years. After making 8 full years of monthly payments, real annual interest rates have fallen to 4% and you are considering refinancing, which will cost $10,000. How many additional months would you need to stay in your home for refinancing to be worthwhile?