(1 point) (Exercise 5.21) A borrows $19000 for 12 years and agrees to make semiannual payments of $1500. The lender receives 13% convertible semiannually on the investment each year for the first 6 years and 12% convertible semiannually for the second 6 years. The balance of each payment is invested in a sinking fund earning 10% convertible semiannually. Find the amount by which the sinking fund is short of repaying the loan at the end of the 12 years. ANSWER =$