help with this please

Score: 0 of 1 pt 10 of 16 (14 complete) HW Score: 71.53%, 11.44 of 16 P4-18 (similar to) Question Help Discount loan (interest and principal at maturity). Chuck Ponzi has talked an elderly woman into loaning him $35,000 for a new business venture. She has, however, successfully passed a finance class and requires Chuck to sign a binding contract on repayment of the $35,000 with an annual interest rate of 12% over the next 20 years. Determine the cash flow to the woman under a discount loan, in which Ponzi will have a lump-sum payment at the end of the contract. What is the amount of payment that the woman will receive at the end of years 1 through 19? (Round to the nearest cent. )