Problem: Your father has a mortgage loan on the family home that was made several years ago when interest rates were lower. The loan has a current balance of $40,000 & will be paid off in 20 years by paying $330 per month. He discussed paying off the loan ahead of schedule w/ an officer of the bank holding the mortgage. The bank is willing to accept $36000 right now to pay off the loan completely. If your father is currently earning 9% on his investments, should he pay off the loan?