Nicole borrows $ 205000 for 10 years at a nominal rate of 4.2 percent convertible monthly. She has the option of paying off the loan using either the amortization or sinking fund method. If the sinking fund has an interest rate of 5.4 percent convertible monthly, how much will she save each month by going with the better method? (Assume monthly payments and deposits.) (Note: you'll need to decide which method is the better one.)

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