Jenny takes out a loan of $30000 from Westpac for her small business at 6.0% compounded monthly and promises to pay it back over two years with equal monthly payments. Six months after taking out the loan (just after the 6th payment is made), she decides to refinance her loan at a lower rate of 4.0% compounded monthly offered by National Australia Bank (NAB) for the remaining term of the loan. Assuming she can do so immediately and there are no refinancing costs or charges, what will her new monthly payments be? Jenny's new monthly payments under new refinancing will be $ (Round to the nearest cent)