Agree that while the way Happy got to $265 (up from a suggestion from REA of $260 ) was a bit strange, I still think that the win/win concept (loosely) applies.
To repay $5000 over 30 years @ 7.41% pa is abouk $12k.
To repay $5000 over 30 years @ 7.41% pa is abouk $12k.