A family buys furniture for $1400. They take out a loan for $1400 and repay it with monthly payments over 4 years at j12 = 13%. If they wish to pay refinance the loan early, they face a penalty equal to 3 months interest on the outstanding balance. After 18 payments they decide to refinance with their local bank at j12 = 6%. If they decide to still pay off the loan in full after a total of 4-years, what is the new monthly payment? You are given: OB18 = $957.60.