Today, Wilma purchased a cottage and a boat worth a combined present value of $390,000. To purchase the cottage, Wilma agreed to pay $60,000 down and $2,100 at the end of each month for 20 years. To buy the boat, Wilma was required to pay $6,000 down and $X at the end of each month for 4 years. Determine X if interest is 12% with monthly compounding