Seth, Janice, and Lori each borrows 5000 for five years at a nominal interest rate of 12% compounded semi-annually. Seth has interest accumulated over the five years and pays all the interest and principal in a lump sum at the end of five years. Janice pays the interest at the end of every six-month period as it accrues and the principal at the end of five years, Lori repays her loan with 10 level payments at the end of every six-month period. Calculate the total amount of interest paid on all three loans