Nine years ago a family incurred a 20-year RM90,000 mortgage at 8% effective on which they were making annual payments. They desire now to make a lump-sum payment of RM5000 and to pay off the mortgage in nine more years. Find an expression for the revised annual payment if the lender is satisfied with an 8% yield for the past nine years but insists on a 9% yield for the next nine years.