A loan of $33,000 is paid off in 36 payments at the end of each month in the following way:

Payments of$825 are made at the end of the month for the first 12 months.

Payments of$825 +xare made at the end of the month for the second 12 months.

Payments of$825 + 2xare made at the end of the month for the last 12 months.

What shouldxbe if the nominal monthly rate is 12%?

Note: Keep all decimals until final answer (Round 2 decimal places for final answer)