A person borrows $5,000 from a bank at an interest rate of 10% compounded yearly and pays it back in 8 years. If the person makes the following payments starting at the end of the 2nd year to the end of 7th year: $500, $500, $475, $450, $425, $425, then what is the amount of the last payment so that the loan is paid off? You must use all three cash flow models in your solution: Discrete, uniform series and gradient series