Which of the following locations would have the highest specific humidity? 
Definitions:
Interest Rates
The amount charged, expressed as a percentage of principal, by a lender to a borrower for the use of assets. Interest rates are typically noted on an annual basis, known as the annual percentage rate (APR).
After-Tax Annual Interest Savings
The amount of money saved annually on interest payments after accounting for the effects of taxes, often referenced in discussions of debt refinancing or consolidation.
Refunding
The process of replacing an existing debt with a new debt, often to take advantage of more favorable borrowing terms.
Marginal Tax Rate
The percentage of tax applied to your income for each tax bracket in which you qualify.
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