5. (10pts) Alan borrows $20,000 for eight years and agrees to make quarterly payments of $750. Each of these payments consists of interest for the just completed quarter and a deposit to a sinking fund that has a nominal interest rate of 5% convertible quarterly. For the first six years, each year the lender receives 9% nominal interest convertible quarterly. For the remaining two years, the lender receives 12% nominal interest convertible quarterly. Find the amount by which the sinking fund is short of repaying the loan at the end of the eight years