Dave takes out a 23-year mortgage of 290000 dollars for his new house. Dave gets an interest rate of 14.4 percent compounded monthly. He agrees to make equal monthly payments, the first coming in one month. After making the 70th payment, Dave wants to buy a boat, so he wants to refinance his house to reduce his monthly payment by 400 dollars, and to get a better interest rate. In particular, he negotiates a new rate of 7.2 percent compounded monthly, and agrees to make equal monthly payments (each 400 dollars less than his original payments) for as long as necessary, followed by a single smaller payment. How large will Dave's final loan payment be?