You have a loan outstanding. It requires making 5 annual payments at the end of the next 5 years of $7,000 each. Your bank has offered to allow you to skip making the next 4 payments in lieu of making one large payment at the end of the loan's term in 5 years. If the interest rate on the loan is 6.81%, 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 dollar.) The future value is $ (Round to the nearest dollar.)