A customer repays a loan of 22,000 that has an annual effective interest rate of 5.15% by making payments of 2,200 at the end of each year for 11 years, followed by payments of 1,000 at the end of each year for as long as necessary, until A final payment of X of less than 1,000 , made one year after the last regular payment of 1,000 , repays the loan. Find X