A loan is amortized by level annual payments every July 22, plus a smaller nal payment one year after the last regular payment. The borrower notices that the interest paid in the July 22, 2010 payment was $200, and the interest paid in the July 22, 2012 payment was $180. The annual eective rate of interest on the loan is 4%. Find the amount of principal repaid in the July 22, 2010 payment