You want to borrow $80,000. The loan amount and all interest accrued (owed) over the life of the loan will be paid as a single lump- sum payment at the time the loan matures in 7 years. You consult two banks. Nova Bank quotes you an annual percentage rate of 9.03%, compounded 12 times per year. Star Bank quotes you an annual percentage rate of 9.98%, compounded 9 times per year. How much less money, if any, will you owe by the end of year 7 if you choose the best offer proposed by these two banks? Report your answer with 2-digit precision (ex. 12.34).