Zandile borrowed money from a bank and she is repaying the loan by making monthly payments of R1096 at the end of every month, each payment includes interest and repayment of the principle. The loan will be paid off in 8 years and interest is calculated at a rate of 12.945% per year, compounded monthly. How much will Zandile still owe the bank immediately after making the 5th payment of the 5th year? (Give your answer rounded to 2 decimal places. If you think the answer is R1012.3456, type in 1012.35)