Armita borrows $73,000.00 which she will repay by making interest only payments over 10 years. She is also required to set up a sinking fund that will be used to pay the principal at maturity. The interest rate on the loan is i⁽³⁶⁵⁾ = 7.125%, and the interest rate on the sinking fund is i⁽⁵²⁾ = 3.125%. Payments on both the loan and the sinking fund will be made bi-weekly. Armita defaults on the loan after 209 periods (just after making both her loan payment and sinking fund deposit. How much does the lender lose on default?