LT Enterprises borrows $202,781 at an interest rate of 12% today and will repay this amount by making 10 semiannual payments. Payments begin in six months. What is the amount of the payments that LT will need to make? (Use the present value and future value tables, a financial calculator, a spreadsheet or the formula method for your calculations. If using present and future value tables or the formula method, use factor amounts rounded to five decimal places, X.XXXXX.