Please help me with this question. Please give me both an excel file including each question and a steps approach if possible. Thank you.

Mortgage refinancing Eight years ago, Jacqueline de Santos purchased a brand new condo at the Toronto Harbourfront for $180,000. Jacqueline had been saving for her first home purchase ever since she graduated from her university and she was able to make the 20% required down payment in order to avoid mortgage insurance. At the time, the mortgage rate on a 10?year fixed rate mortgage was 7.120% and the rate on a 25?year fixed rate mortgage was 9.240%. Jacqueline decided to take on a 25?year fixed rate mortgage. Today, Jacqueline works at RBC as a marketing manager. A couple of weeks ago during lunch, she was having a conversation with some of her colleagues at the mortgage department. Mortgage rates had fallen and she was advised to see whether she could refinance her mortgage in order to save some money. Normally, the penalty for refinancing a mortgage equals the amount of interest paid over the past three months. However, as an RBC employee, Jacqueline does not have to pay the penalty. One of her colleagues sent her the following information about current mortgage rates at RBC:

12/09/2013 Mortgage Rates - RBC Royal Bank RBC Royal Bank RBC Personal Banking > Mortgages > Mortgage Rates Mortgage Rates The charts below show current mortgage rates for fixed and variable rate mortgages, as well as the Royal Bank of Canada prime rate: Fixed Mortgage Rates(21) Term Posted Rate Special Offers(22) - Convertible 6 Month 4.000% Call for details - Closed 1 Year 3.140% Call for details 2 Year 3.140% Call for details 3 Year 3.950% Call for details 4 Year 4.740% 3.590%(8) 5 Year 5.340% 3.890%(9) 7 Year 5.950% 4.190%(10) 10 Year 6.750% 4.590%(11) 25 Year 8.750% Call for details