How should the $3,000 in fees and costs be considered?
A. It should be taken into consideration in the decision as to whether or not to pay off the mortgage.
B. It is a sunk cost and should be taken into account when deciding to pay off the mortgage.
C. It is a sunk cost and should not be taken into account when deciding to pay off the mortgage.
D. It is an explicit cost of paying off the mortgage.