When Albertina opened her law office, she bought $19,000 worth of law books and $7800 worth of furniture. She paid $1100 down and agreed to amortize the balance with semiannual payments for 6 years at 12% compounded semiannually. Find the amount of each payment. Then use the formula for the remaining balance to find the number of remaining payments when the loan has been reduced below $11,000.