You have a loan outstanding. It requires making 3 annual payments at the end of the next 3 years of $5,000 each. Your bank has offered to allow you to skip making the next 2 payments in lieu of making one large payment at the end of the loan's term in 3 years. If the interest rate on the loan is 8.45%, what final payment will the bank require you to make so that it is indifferent between the two forms of payment? The present value of the cash flows is $ 12781.57. (Round to the nearest dollar.) The future value is $. (Round to the nearest dollar.)