A consumer buys goods worth $590. She pays $59 down and will pay $295 at the end of 1 year. If the store charges interest on the unpaid balance at a rate of 5.7%/year compounded monthly during the first two years and at a rate of 8.4%/year compounded monthly thereafter, what final payment will be necessary at the end of 4 years?

(Enter the value only; do NOT add a $ sign.)

A consumer buys goods worth $590. She pays $59 down and will pay $295 at the end of 1 year. If the store charges interest on the unpaid balance at a rate of 5.7%/year compounded monthly during the first two years and at a rate of 8.4%/year compounded monthly thereafter, what final payment will be necessary at the end of 4 years? (Enter the value only; do NOT add a $ sign.)