Smith borrows $25,000 on January 1, 2001 at a nominal annual interest rate of 5.5%, compounded quarterly. Interest-only payments are to be made quarterly commencing April 1, 2001 and the principal is to be repaid in full on January 1, 2009. Smith accumulates the principal repayment by making semiannual deposits to a sinking fund that earns a nominal annual interest rate of 3%, compounded monthly. The first deposit is made on February 1, 2001 and the last on January 1, 2009. How much interest and sinking fund payments were made in 2005 and 2006 combined?