who wants a brainliest answer?? please help me!

1. Purchasing discount points is a decision which can be financially justified or not justified. Create a unique example where purchasing discount points is not justified, solve the problem, and explain why the decision isn't justified.

2. Mark and Marcy have obtained a 30-year, fixed rate mortgage for $650,250 with a 7.15% interest rate. They purchased 2 points and their rate is now 6.975%. Factoring in the cost of points, when is the break-even point on their mortgage?

14 years, 2 months

9 years, 6 months

7 years, 1 month

7 years, 0 months