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I need full explanation, don't use excel to answer. Zoe buys some appliances for $3850. She pays $200 down and repays the rest with 24

I need full explanation, don't use excel to answer. Zoe buys some appliances for $3850. She pays $200 down and repays the rest with 24 monthly payments of $R, first payment due 3 months from today. If j12 = 9%, what is R

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