April has the following debts: She owes Jade $625 in 7 years. She owes Carly $825 in 2 years. And she owes Sarah $300 in 9 years. However Jade, Carly and Sarah all owe Heidi even more money than April owes each of them. April decides to pay off all of her debts by paying Heidi a single payment today. What is the size of the single payment if j52 = 2% for the first 2 years and j4 = 5% thereafter?