A home is purchased at time t=0 for a price of $218,259. The home is financed with a 28-year mortgage with a nominal annual rate of 5.2% compounded monthly. The payments mare made at the end of each month. Immediately after the 68th payment, the loan is refinanced at a nominal annual rate of 3.6% compounded monthly. The new loan will have a term of 19 years. Determine the monthly payment on the refinanced loan.