You plan to purchase a used motorcycle for $6,500. You can only afford a monthly payment of $200 for a period of two years. You can get a 9% loan, compounded monthly. Since you have lent money to your mother in the past, she has lovingly agreed to give you the down payment needed to get your monthly payment to the $200 level, if you promise that you will always wear a helmet. Ignoring the cost of the helmet, how much of a down payment must she provide?