A person owes a credit institution $20,000 that must be paid in 3 years with interest at 12% effective and $50,000 that must be paid in 6 years with interest at 10% quarterly. Due to a problem, the person cannot pay and contains with the institution, he will pay in two equal amounts at the end of 2 and 5 years with a yield of 6% convertible semi-annually. How much should this payment be? A person owes a credit institution $20,000 that must be paid in 3 years with interest at 12% effective and $50,000 that must be paid in 6 years with interest at 10% quarterly. Due to a problem, the person cannot pay and contains with the institution, he will pay in two equal amounts at the end of 2 and 5 years with a yield of 6% convertible semi-annually. How much should this payment be?