You have a loan outstanding. It requires making 4 annual payments at the end of the next 4 years of $3,000 each. Your bank has offered to allow you to skip making the next 3 payments in lieu of making one large payment at the end of the loan's term in 4 years. If the interest rate on the loan is 7.28%, 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 $ . (Round to the nearest cent.) The future value is $ . (Round to the nearest cent.)