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Thabang borrowed R120 000 from Tammie four years ago at 12,65% per year, compounded quarterly. The amount plus the interest is due two years from now. Six months ago, Thabang also borrowed R65 000 from Tammy at 15,2% per year compounded monthly, which is due two years from now. The total amount that Thabang must pay Tammie two years from now is