A woman borrowed $3000 to be paid after 1 1/2 years with interest at 12% compounded semiannually

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A woman borrowed $3000 to be paid after 1 1/2 years with interest at 12% compounded semiannually and $5000 to be paid after 3 years at 12% compounded monthly. What single payment must she pay after 3 1/2 years at an interest rate of 16% compounded quarterly to settle the two obligations? ANS= 12627.59 (?
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