A borrower took out a loan of 100,000 and promised to repay it with a payment at the end of each year for 30 years.

The amount of each of the first ten payments equals the amount of interest due. The amount of each of the next ten payments equals 150% of the amount of interest due. The amount of each of the last ten payments is X.

The lender charges interest at an annual effective rate of 10%.

Calculate X.