Having burned out at her Wall Street job, Olympia bought a farm and needs to lease a tractor. She plans to lease the tractor for two years. The tractor she plans to lease is worth $100,000, and the tractor will lose $20,000 of its value during the two years of the lease. The annual interest rate is 6%. How much is Olympia’s monthly lease payment on the tractor? [Use the exact method of finding a lease payment; do not use the money factor method.]