Jim borrows 100 at an annual effective interest rate of 4% and agrees to repay it with 30 annual installments paid out at the end of each year. The amount of each payment in the last 20 years is set at twice that of the payments in the first 10 years. At the end of 10 years, Jim has the option to repay the entire loan with a final payment Y, in addition to the regular payment. This will yield the lender an annual effective interest rate of 45% over the 10-year period Calculate Y. Round your answer to one decimal place