Channing and Jenna buy the house they want to raise their kids in. The interest rate on the mortgage is quite small, and Jenna figures it is a real interest rate of zero, compared to her personal real discount rate of 12% per year. There is no down payment. If the mortgage payments amount to $10,000 (2015 dollars) per month for 20 years, and the house is worth $2,000,000 to the couple today, do Channing and Jenna come out ahead or behind when they buy the house? How much?