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A variable rate demand loan showed an initial balance of $12,000, payments of $5500 after six months, $5500 after 21 months, and a final payment

A variable rate demand loan showed an initial balance of $12,000, payments of $5500 after six months, $5500 after 21 months, and a final payment after 4 years. Interest was 5% compounded for the first 21 months and 5.4% compounded monthly for the remaining time. What was the size of the final payment?

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