A business owns its creditors two loan re-payments in the near future. The first payment of $3200 is due in 6 months from today, and the second payment of $3800 is due 14 months from today. Assume that the interest rate being charged by the lenders is 6.5% compounded monthly. What single replacement payment three months from today should pay off the business loan (in place of the two original scheduled re-payments)?