Kevin borrowed 20,000 from Bank A at an annual effective rate of 6%. He agreed to repay the bank with 10 level annual installments at the end of each year. At the same time, he also borrowed 25,000 from bank B at an annual effective rate of 5.5%. He agreed to pay the bank this loan with 10 level annual installments at the end of each year. He lent the 45,000 to Alice immediate in exchange for 9 annual level repayments at the end of each year, at an annual effective rate of 6.5%. Kevin can only reinvest the proceeds at an annual effective rate of 5%. Immediately after repaying the loans to the banks in full, determine how much Kevin has left