A borrower takes out a 15-year loan for RM400000, with level end-of-month payments, at an annual nominal interest rate of 9% convertible monthly. Immediately after the 36th payment, the borrower decides to refinance the loan at an annual nominal interest rate of j% convertible monthly. The remaining terms of the loan is kept at twelve years, and level payments continue to be made at the end of the month. However, each payment is now RM409.88 lower than each payment from the original loan. Calculate j