A variable rate demand loan showed an initial balance of $12,000, payments of $5000 after 18 months, $4000 after 30 months, and a final payment after 5 years. Interest was 11% compounded semi-annually for the first two years and 12% compounded monthly for the remaining time. What was the size of the final payment?A variable rate demand loan showed an initial balance of $12,000, payments of $5000 after 18 months, $4000 after 30 months, and a final payment after 5 years. Interest was 11% compounded semi-annually for the first two years and 12% compounded monthly for the remaining time. What was the size of the final payment?