A 10-year loan of 10,000 is to be repaid with payments at the end of each year consisting of interest on the loan and a sinking fund deposit. Interest on the loan is charged at a 12% annual effective rate. The sinking funds annual effective interest rate is 8%. However, beginning in the sixth year, the annual effective interest rate on the sinking fund drops to 6%. As a result, the annual payment to the sinking fund is then increased by X .

Calculate X