The family in the previous question won $100,000 in the lottery and has the opportunity after 15 years to refinance the loan to a 15-year or new 30-year loan. The 15-year loan is a fixed 2.5% loan $1,500 in upfront fees. The 30-year is a fixed 2.75% loan no fees. The family also has the opportunity to get a 5% risk-adjusted return on an investment on the $100,000. What should the family do in this situation? You need to do this for all three options. In all cases, the borrowers want best return. Assume the borrowers can get a 2.0% interest rate on risk-free investment.