Jill wants to buy a car but needs to calculate how much she can afford to borrow. The maximum she can repay is $3100 at the end of each quarter and the bank has indicated it will charge a fixed 7.0% p.a compounding quarterly. If she takes a loan for 4 years how much can she afford to borrow? (Do not use the $ sign or commas; include cents e.g 24500.09)