You just won a prize of $$15,000$ at the local Invention Ideas show. You can receive the money all up front $($t$=0)$; OR$,$ you may choose to get $36$ monthly payments, with the first payment starting $7$ months from now. In both cases, your discount rate is $3\%$ APR. $($Assume all compounding is annual.$)$ Using an annuity formula, calculate the monthly payment that makes you indifferent between receiving the $$15,000$ today or in $36$ monthly installments starting in Month $7$