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Mary is planning to repay a debt of 75,000 with a quarterly payment $4,000 for the next 23 quarters and a final payment of X

Mary is planning to repay a debt of 75,000 with a quarterly payment $4,000 for the next 23 quarters and a final payment of "X" dollars at the end of 24-th quarter. If the interest rate is 12% per year, compounded quarterly, how much will be Mary's final payment?

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