Tina buys a new car and finances it with a loan of 22,000. She will make n monthly payments of 450.30 starting in one month. She will make one larger payment in n+1 months to pay off the loan. Payments are calculated using an annual nominal interest rate of 8.4%, convertible monthly. Immediately after the 18th payment she refinances the loan to pay off the remaining balance with 24 monthly payments starting one month later. This refinanced loan uses an annual nominal interest rate of 4.8%, convertible monthly. Calculate the amount of the new monthly payment