you are indifferent to the following two payment choices: pay

$$30,000$ now or make the following four installments over the next

three years a $$10,000$ down payment today, $$5000$ at the end of the

year $1,$ $X at the end of year $2,$ and $$12,000$ at the year $3.$ The

annual interest rate is $5\%.$ What is $X$?$