You take out a 30-year, $400,000 mortgage, to be repaid with level amortization payments at the end of each year, at an annual effective rate of 9%. You make the first 12 payments, and then go on a humanitarian mission for five years. During this five-year period, the lender allows you to skip your regular amortization payments, but does insist that interest continue to accumulate on the loan, and that the loan be paid off by the end of the original 30-year period. To do this, a new level year-end payment, R, is calculated. Calculate R