Question

Precisely 15 years ago (you have just made the 180th monthly payment) you took out a traditional, fixed rate 30-year mortgage for $300,000 at 7.20% APR. You are considering whether to refinance this loan and replace it with a fixed rate 15-year mortgage (assume an identical timing of the remaining payments). The closing costs are $3,000, which you intend to borrow. Disregarding the psychic cost of the process, please find the breakeven interest rate (i.e. the rate at which you would be indifferent between refinancing vs. keeping the existing mortgage). Express your answer as an APR with 3 digits after the decimal point.

Answer 1

The following things are required to be calculated to answer this question.

1. Monthly payments made at 7.20% APR and 30 years monthly payment

2. Oustanding principle at current date (after making 180 monthly payments)

Monthly Payment can be calculated by function

pmt=P×r×(1 + r)ⁿ/((1 + r)ⁿ - 1)

pmt is monthly payments

where P is Priniple Loan Amount

r is rate of interest calualted in monthly basis it should be = Rate of Annual interest/12/100 = 0.6% here

n is tenture in number of months= 360 months

With the above formula pmt = $2036.4

With the above payment one needs to prepare the loan amortization table on excel to find out the outstanding balance at the end of 180 months with APR 7.2% and outstanding balance $300000 at the start. after the end of 180 months the loan is to be increased by $3000 which will be the refiance amount considering the amount if refiananced.

As per calculations the oustanding amount at the end of 180 months payment = $

2,23,764.8

by adding $3000 as the cost of closing to the balance the total outsnading to be refinanced then stands

226,764.8

By using oustanding balance of $226764.8 and term as 180 monthly payments of same payments = $2036.4

the internal rate of return of cash flows will provide the break even rate

Break even rate is calculated at 6.985% APR

The calculated loan amortization table in excel is provided below:

	First loan	Alternate loan
Interest Annual	7.20%	6.9853%
Interest Monthly	0.600%	0.582%
Monthly Payment	2036.364628	2036.4
	Previous balance	Interest Applicable	Payment	Balance
1	3,00,000.0	1800.0	2036.4	2,99,763.6
2	2,99,763.6	1798.6	2036.4	2,99,525.9
3	2,99,525.9	1797.2	2036.4	2,99,286.6
4	2,99,286.6	1795.7	2036.4	2,99,046.0
5	2,99,046.0	1794.3	2036.4	2,98,803.9
6	2,98,803.9	1792.8	2036.4	2,98,560.4
7	2,98,560.4	1791.4	2036.4	2,98,315.4
8	2,98,315.4	1789.9	2036.4	2,98,068.9
9	2,98,068.9	1788.4	2036.4	2,97,820.9
10	2,97,820.9	1786.9	2036.4	2,97,571.5
11	2,97,571.5	1785.4	2036.4	2,97,320.6
12	2,97,320.6	1783.9	2036.4	2,97,068.1
13	2,97,068.1	1782.4	2036.4	2,96,814.2
14	2,96,814.2	1780.9	2036.4	2,96,558.7
15	2,96,558.7	1779.4	2036.4	2,96,301.7
16	2,96,301.7	1777.8	2036.4	2,96,043.1
17	2,96,043.1	1776.3	2036.4	2,95,783.0
18	2,95,783.0	1774.7	2036.4	2,95,521.4
19	2,95,521.4	1773.1	2036.4	2,95,258.1
20	2,95,258.1	1771.5	2036.4	2,94,993.3
21	2,94,993.3	1770.0	2036.4	2,94,726.9
22	2,94,726.9	1768.4	2036.4	2,94,458.9
23	2,94,458.9	1766.8	2036.4	2,94,189.3
24	2,94,189.3	1765.1	2036.4	2,93,918.1
25	2,93,918.1	1763.5	2036.4	2,93,645.2
26	2,93,645.2	1761.9	2036.4	2,93,370.7
27	2,93,370.7	1760.2	2036.4	2,93,094.6
28	2,93,094.6	1758.6	2036.4	2,92,816.8
29	2,92,816.8	1756.9	2036.4	2,92,537.3
30	2,92,537.3	1755.2	2036.4	2,92,256.2
31	2,92,256.2	1753.5	2036.4	2,91,973.3
32	2,91,973.3	1751.8	2036.4	2,91,688.8
33	2,91,688.8	1750.1	2036.4	2,91,402.6
34	2,91,402.6	1748.4	2036.4	2,91,114.6
35	2,91,114.6	1746.7	2036.4	2,90,824.9
36	2,90,824.9	1744.9	2036.4	2,90,533.5
37	2,90,533.5	1743.2	2036.4	2,90,240.4
38	2,90,240.4	1741.4	2036.4	2,89,945.4
39	2,89,945.4	1739.7	2036.4	2,89,648.8
40	2,89,648.8	1737.9	2036.4	2,89,350.3
41	2,89,350.3	1736.1	2036.4	2,89,050.0
42	2,89,050.0	1734.3	2036.4	2,88,748.0
43	2,88,748.0	1732.5	2036.4	2,88,444.1
44	2,88,444.1	1730.7	2036.4	2,88,138.4
45	2,88,138.4	1728.8	2036.4	2,87,830.8
46	2,87,830.8	1727.0	2036.4	2,87,521.5
47	2,87,521.5	1725.1	2036.4	2,87,210.2
48	2,87,210.2	1723.3	2036.4	2,86,897.1
49	2,86,897.1	1721.4	2036.4	2,86,582.1
50	2,86,582.1	1719.5	2036.4	2,86,265.3
51	2,86,265.3	1717.6	2036.4	2,85,946.5
52	2,85,946.5	1715.7	2036.4	2,85,625.8
53	2,85,625.8	1713.8	2036.4	2,85,303.2
54	2,85,303.2	1711.8	2036.4	2,84,978.7
55	2,84,978.7	1709.9	2036.4	2,84,652.2
56	2,84,652.2	1707.9	2036.4	2,84,323.7
57	2,84,323.7	1705.9	2036.4	2,83,993.3
58	2,83,993.3	1704.0	2036.4	2,83,660.9
59	2,83,660.9	1702.0	2036.4	2,83,326.5
60	2,83,326.5	1700.0	2036.4	2,82,990.1
61	2,82,990.1	1697.9	2036.4	2,82,651.7
62	2,82,651.7	1695.9	2036.4	2,82,311.2
63	2,82,311.2	1693.9	2036.4	2,81,968.7
64	2,81,968.7	1691.8	2036.4	2,81,624.2
65	2,81,624.2	1689.7	2036.4	2,81,277.5
66	2,81,277.5	1687.7	2036.4	2,80,928.8
67	2,80,928.8	1685.6	2036.4	2,80,578.0
68	2,80,578.0	1683.5	2036.4	2,80,225.1
69	2,80,225.1	1681.4	2036.4	2,79,870.1
70	2,79,870.1	1679.2	2036.4	2,79,513.0
71	2,79,513.0	1677.1	2036.4	2,79,153.7
72	2,79,153.7	1674.9	2036.4	2,78,792.3
73	2,78,792.3	1672.8	2036.4	2,78,428.6
74	2,78,428.6	1670.6	2036.4	2,78,062.9
75	2,78,062.9	1668.4	2036.4	2,77,694.9
76	2,77,694.9	1666.2	2036.4	2,77,324.7
77	2,77,324.7	1663.9	2036.4	2,76,952.3
78	2,76,952.3	1661.7	2036.4	2,76,577.6
79	2,76,577.6	1659.5	2036.4	2,76,200.7
80	2,76,200.7	1657.2	2036.4	2,75,821.5
81	2,75,821.5	1654.9	2036.4	2,75,440.1
82	2,75,440.1	1652.6	2036.4	2,75,056.4
83	2,75,056.4	1650.3	2036.4	2,74,670.4
84	2,74,670.4	1648.0	2036.4	2,74,282.0
85	2,74,282.0	1645.7	2036.4	2,73,891.3
86	2,73,891.3	1643.3	2036.4	2,73,498.3
87	2,73,498.3	1641.0	2036.4	2,73,103.0
88	2,73,103.0	1638.6	2036.4	2,72,705.2
89	2,72,705.2	1636.2	2036.4	2,72,305.1
90	2,72,305.1	1633.8	2036.4	2,71,902.5
91	2,71,902.5	1631.4	2036.4	2,71,497.6
92	2,71,497.6	1629.0	2036.4	2,71,090.2
93	2,71,090.2	1626.5	2036.4	2,70,680.4
94	2,70,680.4	1624.1	2036.4	2,70,268.1
95	2,70,268.1	1621.6	2036.4	2,69,853.3
96	2,69,853.3	1619.1	2036.4	2,69,436.1
97	2,69,436.1	1616.6	2036.4	2,69,016.4
98	2,69,016.4	1614.1	2036.4	2,68,594.1
99	2,68,594.1	1611.6	2036.4	2,68,169.3
100	2,68,169.3	1609.0	2036.4	2,67,741.9
101	2,67,741.9	1606.5	2036.4	2,67,312.0
102	2,67,312.0	1603.9	2036.4	2,66,879.5
103	2,66,879.5	1601.3	2036.4	2,66,444.4
104	2,66,444.4	1598.7	2036.4	2,66,006.8
105	2,66,006.8	1596.0	2036.4	2,65,566.4
106	2,65,566.4	1593.4	2036.4	2,65,123.5
107	2,65,123.5	1590.7	2036.4	2,64,677.8
108	2,64,677.8	1588.1	2036.4	2,64,229.5
109	2,64,229.5	1585.4	2036.4	2,63,778.6
110	2,63,778.6	1582.7	2036.4	2,63,324.9
111	2,63,324.9	1579.9	2036.4	2,62,868.4
112	2,62,868.4	1577.2	2036.4	2,62,409.3
113	2,62,409.3	1574.5	2036.4	2,61,947.4
114	2,61,947.4	1571.7	2036.4	2,61,482.7
115	2,61,482.7	1568.9	2036.4	2,61,015.2
116	2,61,015.2	1566.1	2036.4	2,60,545.0
117	2,60,545.0	1563.3	2036.4	2,60,071.9
118	2,60,071.9	1560.4	2036.4	2,59,595.9
119	2,59,595.9	1557.6	2036.4	2,59,117.1
120	2,59,117.1	1554.7	2036.4	2,58,635.5
121	2,58,635.5	1551.8	2036.4	2,58,150.9
122	2,58,150.9	1548.9	2036.4	2,57,663.5
123	2,57,663.5	1546.0	2036.4	2,57,173.1
124	2,57,173.1	1543.0	2036.4	2,56,679.8
125	2,56,679.8	1540.1	2036.4	2,56,183.5
126	2,56,183.5	1537.1	2036.4	2,55,684.2
127	2,55,684.2	1534.1	2036.4	2,55,181.9
128	2,55,181.9	1531.1	2036.4	2,54,676.7
129	2,54,676.7	1528.1	2036.4	2,54,168.4
130	2,54,168.4	1525.0	2036.4	2,53,657.0
131	2,53,657.0	1521.9	2036.4	2,53,142.6
132	2,53,142.6	1518.9	2036.4	2,52,625.1
133	2,52,625.1	1515.8	2036.4	2,52,104.5
134	2,52,104.5	1512.6	2036.4	2,51,580.7
135	2,51,580.7	1509.5	2036.4	2,51,053.9
136	2,51,053.9	1506.3	2036.4	2,50,523.8
137	2,50,523.8	1503.1	2036.4	2,49,990.6
138	2,49,990.6	1499.9	2036.4	2,49,454.2
139	2,49,454.2	1496.7	2036.4	2,48,914.5
140	2,48,914.5	1493.5	2036.4	2,48,371.7
141	2,48,371.7	1490.2	2036.4	2,47,825.5
142	2,47,825.5	1487.0	2036.4	2,47,276.1
143	2,47,276.1	1483.7	2036.4	2,46,723.4
144	2,46,723.4	1480.3	2036.4	2,46,167.4
145	2,46,167.4	1477.0	2036.4	2,45,608.0
146	2,45,608.0	1473.6	2036.4	2,45,045.3
147	2,45,045.3	1470.3	2036.4	2,44,479.2
148	2,44,479.2	1466.9	2036.4	2,43,909.7
149	2,43,909.7	1463.5	2036.4	2,43,336.8
150	2,43,336.8	1460.0	2036.4	2,42,760.5
151	2,42,760.5	1456.6	2036.4	2,42,180.7
152	2,42,180.7	1453.1	2036.4	2,41,597.4
153	2,41,597.4	1449.6	2036.4	2,41,010.6
154	2,41,010.6	1446.1	2036.4	2,40,420.3
155	2,40,420.3	1442.5	2036.4	2,39,826.5
156	2,39,826.5	1439.0	2036.4	2,39,229.1
157	2,39,229.1	1435.4	2036.4	2,38,628.1
158	2,38,628.1	1431.8	2036.4	2,38,023.5
159	2,38,023.5	1428.1	2036.4	2,37,415.2
160	2,37,415.2	1424.5	2036.4	2,36,803.4
161	2,36,803.4	1420.8	2036.4	2,36,187.8
162	2,36,187.8	1417.1	2036.4	2,35,568.6
163	2,35,568.6	1413.4	2036.4	2,34,945.6
164	2,34,945.6	1409.7	2036.4	2,34,318.9
165	2,34,318.9	1405.9	2036.4	2,33,688.5
166	2,33,688.5	1402.1	2036.4	2,33,054.3
167	2,33,054.3	1398.3	2036.4	2,32,416.2
168	2,32,416.2	1394.5	2036.4	2,31,774.4
169	2,31,774.4	1390.6	2036.4	2,31,128.6
170	2,31,128.6	1386.8	2036.4	2,30,479.0
171	2,30,479.0	1382.9	2036.4	2,29,825.5
172	2,29,825.5	1379.0	2036.4	2,29,168.1
173	2,29,168.1	1375.0	2036.4	2,28,506.8
174	2,28,506.8	1371.0	2036.4	2,27,841.5
175	2,27,841.5	1367.0	2036.4	2,27,172.1
176	2,27,172.1	1363.0	2036.4	2,26,498.8
177	2,26,498.8	1359.0	2036.4	2,25,821.4
178	2,25,821.4	1354.9	2036.4	2,25,140.0
179	2,25,140.0	1350.8	2036.4	2,24,454.5
180	2,24,454.5	1346.7	2036.4	2,23,764.8
181	2,26,764.8	1320.0	2036.4	2,26,048.5
182	2,26,048.5	1315.8	2036.4	2,25,328.0
183	2,25,328.0	1311.7	2036.4	2,24,603.3
184	2,24,603.3	1307.4	2036.4	2,23,874.3
185	2,23,874.3	1303.2	2036.4	2,23,141.2
186	2,23,141.2	1298.9	2036.4	2,22,403.7
187	2,22,403.7	1294.6	2036.4	2,21,662.0
188	2,21,662.0	1290.3	2036.4	2,20,915.9
189	2,20,915.9	1286.0	2036.4	2,20,165.6
190	2,20,165.6	1281.6	2036.4	2,19,410.8
191	2,19,410.8	1277.2	2036.4	2,18,651.6
192	2,18,651.6	1272.8	2036.4	2,17,888.1
193	2,17,888.1	1268.3	2036.4	2,17,120.0
194	2,17,120.0	1263.9	2036.4	2,16,347.6
195	2,16,347.6	1259.4	2036.4	2,15,570.6
196	2,15,570.6	1254.9	2036.4	2,14,789.1
197	2,14,789.1	1250.3	2036.4	2,14,003.0
198	2,14,003.0	1245.7	2036.4	2,13,212.4
199	2,13,212.4	1241.1	2036.4	2,12,417.1
200	2,12,417.1	1236.5	2036.4	2,11,617.3
201	2,11,617.3	1231.8	2036.4	2,10,812.8
202	2,10,812.8	1227.2	2036.4	2,10,003.5
203	2,10,003.5	1222.4	2036.4	2,09,189.6
204	2,09,189.6	1217.7	2036.4	2,08,371.0
205	2,08,371.0	1212.9	2036.4	2,07,547.6
206	2,07,547.6	1208.2	2036.4	2,06,719.4
207	2,06,719.4	1203.3	2036.4	2,05,886.3
208	2,05,886.3	1198.5	2036.4	2,05,048.4
209	2,05,048.4	1193.6	2036.4	2,04,205.7
210	2,04,205.7	1188.7	2036.4	2,03,358.0
211	2,03,358.0	1183.8	2036.4	2,02,505.4
212	2,02,505.4	1178.8	2036.4	2,01,647.9
213	2,01,647.9	1173.8	2036.4	2,00,785.3
214	2,00,785.3	1168.8	2036.4	1,99,917.7
215	1,99,917.7	1163.7	2036.4	1,99,045.1
216	1,99,045.1	1158.7	2036.4	1,98,167.4
217	1,98,167.4	1153.6	2036.4	1,97,284.6
218	1,97,284.6	1148.4	2036.4	1,96,396.6
219	1,96,396.6	1143.2	2036.4	1,95,503.5
220	1,95,503.5	1138.0	2036.4	1,94,605.2
221	1,94,605.2	1132.8	2036.4	1,93,701.6
222	1,93,701.6	1127.6	2036.4	1,92,792.8
223	1,92,792.8	1122.3	2036.4	1,91,878.7
224	1,91,878.7	1116.9	2036.4	1,90,959.3
225	1,90,959.3	1111.6	2036.4	1,90,034.5
226	1,90,034.5	1106.2	2036.4	1,89,104.4
227	1,89,104.4	1100.8	2036.4	1,88,168.8
228	1,88,168.8	1095.3	2036.4	1,87,227.8
229	1,87,227.8	1089.9	2036.4	1,86,281.3
230	1,86,281.3	1084.4	2036.4	1,85,329.3
231	1,85,329.3	1078.8	2036.4	1,84,371.7
232	1,84,371.7	1073.2	2036.4	1,83,408.6
233	1,83,408.6	1067.6	2036.4	1,82,439.9
234	1,82,439.9	1062.0	2036.4	1,81,465.5
235	1,81,465.5	1056.3	2036.4	1,80,485.5
236	1,80,485.5	1050.6	2036.4	1,79,499.8
237	1,79,499.8	1044.9	2036.4	1,78,508.3
238	1,78,508.3	1039.1	2036.4	1,77,511.0
239	1,77,511.0	1033.3	2036.4	1,76,508.0
240	1,76,508.0	1027.5	2036.4	1,75,499.1
241	1,75,499.1	1021.6	2036.4	1,74,484.3
242	1,74,484.3	1015.7	2036.4	1,73,463.6
243	1,73,463.6	1009.7	2036.4	1,72,437.0
244	1,72,437.0	1003.8	2036.4	1,71,404.4
245	1,71,404.4	997.8	2036.4	1,70,365.8
246	1,70,365.8	991.7	2036.4	1,69,321.2
247	1,69,321.2	985.6	2036.4	1,68,270.4
248	1,68,270.4	979.5	2036.4	1,67,213.6
249	1,67,213.6	973.4	2036.4	1,66,150.6
250	1,66,150.6	967.2	2036.4	1,65,081.4
251	1,65,081.4	961.0	2036.4	1,64,006.0
252	1,64,006.0	954.7	2036.4	1,62,924.3
253	1,62,924.3	948.4	2036.4	1,61,836.4
254	1,61,836.4	942.1	2036.4	1,60,742.1
255	1,60,742.1	935.7	2036.4	1,59,641.4
256	1,59,641.4	929.3	2036.4	1,58,534.3
257	1,58,534.3	922.8	2036.4	1,57,420.8
258	1,57,420.8	916.4	2036.4	1,56,300.8
259	1,56,300.8	909.8	2036.4	1,55,174.3
260	1,55,174.3	903.3	2036.4	1,54,041.2
261	1,54,041.2	896.7	2036.4	1,52,901.5
262	1,52,901.5	890.1	2036.4	1,51,755.2
263	1,51,755.2	883.4	2036.4	1,50,602.2
264	1,50,602.2	876.7	2036.4	1,49,442.5
265	1,49,442.5	869.9	2036.4	1,48,276.1
266	1,48,276.1	863.1	2036.4	1,47,102.8
267	1,47,102.8	856.3	2036.4	1,45,922.8
268	1,45,922.8	849.4	2036.4	1,44,735.8
269	1,44,735.8	842.5	2036.4	1,43,542.0
270	1,43,542.0	835.6	2036.4	1,42,341.2
271	1,42,341.2	828.6	2036.4	1,41,133.4
272	1,41,133.4	821.6	2036.4	1,39,918.6
273	1,39,918.6	814.5	2036.4	1,38,696.7
274	1,38,696.7	807.4	2036.4	1,37,467.7
275	1,37,467.7	800.2	2036.4	1,36,231.6
276	1,36,231.6	793.0	2036.4	1,34,988.2
277	1,34,988.2	785.8	2036.4	1,33,737.6
278	1,33,737.6	778.5	2036.4	1,32,479.8
279	1,32,479.8	771.2	2036.4	1,31,214.6
280	1,31,214.6	763.8	2036.4	1,29,942.0
281	1,29,942.0	756.4	2036.4	1,28,662.1
282	1,28,662.1	749.0	2036.4	1,27,374.6
283	1,27,374.6	741.5	2036.4	1,26,079.7
284	1,26,079.7	733.9	2036.4	1,24,777.3
285	1,24,777.3	726.3	2036.4	1,23,467.3
286	1,23,467.3	718.7	2036.4	1,22,149.6
287	1,22,149.6	711.0	2036.4	1,20,824.3
288	1,20,824.3	703.3	2036.4	1,19,491.3
289	1,19,491.3	695.6	2036.4	1,18,150.5
290	1,18,150.5	687.8	2036.4	1,16,801.9
291	1,16,801.9	679.9	2036.4	1,15,445.4
292	1,15,445.4	672.0	2036.4	1,14,081.1
293	1,14,081.1	664.1	2036.4	1,12,708.8
294	1,12,708.8	656.1	2036.4	1,11,328.5
295	1,11,328.5	648.1	2036.4	1,09,940.2
296	1,09,940.2	640.0	2036.4	1,08,543.8
297	1,08,543.8	631.8	2036.4	1,07,139.3
298	1,07,139.3	623.7	2036.4	1,05,726.6
299	1,05,726.6	615.4	2036.4	1,04,305.7
300	1,04,305.7	607.2	2036.4	1,02,876.5
301	1,02,876.5	598.9	2036.4	1,01,439.0
302	1,01,439.0	590.5	2036.4	99,993.1
303	99,993.1	582.1	2036.4	98,538.8
304	98,538.8	573.6	2036.4	97,076.0
305	97,076.0	565.1	2036.4	95,604.8
306	95,604.8	556.5	2036.4	94,124.9
307	94,124.9	547.9	2036.4	92,636.5
308	92,636.5	539.2	2036.4	91,139.3
309	91,139.3	530.5	2036.4	89,633.5
310	89,633.5	521.8	2036.4	88,118.9
311	88,118.9	512.9	2036.4	86,595.5
312	86,595.5	504.1	2036.4	85,063.2
313	85,063.2	495.2	2036.4	83,522.0
314	83,522.0	486.2	2036.4	81,971.8
315	81,971.8	477.2	2036.4	80,412.6
316	80,412.6	468.1	2036.4	78,844.3
317	78,844.3	459.0	2036.4	77,266.9
318	77,266.9	449.8	2036.4	75,680.4
319	75,680.4	440.5	2036.4	74,084.5
320	74,084.5	431.3	2036.4	72,479.4
321	72,479.4	421.9	2036.4	70,865.0
322	70,865.0	412.5	2036.4	69,241.1
323	69,241.1	403.1	2036.4	67,607.8
324	67,607.8	393.6	2036.4	65,965.0
325	65,965.0	384.0	2036.4	64,312.6
326	64,312.6	374.4	2036.4	62,650.6
327	62,650.6	364.7	2036.4	60,979.0
328	60,979.0	355.0	2036.4	59,297.6
329	59,297.6	345.2	2036.4	57,606.4
330	57,606.4	335.3	2036.4	55,905.3
331	55,905.3	325.4	2036.4	54,194.4
332	54,194.4	315.5	2036.4	52,473.5
333	52,473.5	305.5	2036.4	50,742.6
334	50,742.6	295.4	2036.4	49,001.6
335	49,001.6	285.2	2036.4	47,250.5
336	47,250.5	275.0	2036.4	45,489.2
337	45,489.2	264.8	2036.4	43,717.6
338	43,717.6	254.5	2036.4	41,935.7
339	41,935.7	244.1	2036.4	40,143.5
340	40,143.5	233.7	2036.4	38,340.8
341	38,340.8	223.2	2036.4	36,527.6
342	36,527.6	212.6	2036.4	34,703.9
343	34,703.9	202.0	2036.4	32,869.5
344	32,869.5	191.3	2036.4	31,024.5
345	31,024.5	180.6	2036.4	29,168.7
346	29,168.7	169.8	2036.4	27,302.2
347	27,302.2	158.9	2036.4	25,424.7
348	25,424.7	148.0	2036.4	23,536.4
349	23,536.4	137.0	2036.4	21,637.0
350	21,637.0	126.0	2036.4	19,726.6
351	19,726.6	114.8	2036.4	17,805.0
352	17,805.0	103.6	2036.4	15,872.3
353	15,872.3	92.4	2036.4	13,928.4
354	13,928.4	81.1	2036.4	11,973.1
355	11,973.1	69.7	2036.4	10,006.4
356	10,006.4	58.2	2036.4	8,028.3
357	8,028.3	46.7	2036.4	6,038.7
358	6,038.7	35.2	2036.4	4,037.4
359	4,037.4	23.5	2036.4	2,024.6
360	2,024.6	11.8	2036.4	0.0