Travis and Tricia Erickson purchased a late-model used car for $14,000. They received $3,000 on their old car, made a $2,000 down payment on the new vehicle, and agreed to pay the balance in 12 equal installments of $794 to Second Street Bank. They used a small financial windfall to pay off the loan in only nine months. Based on the 'Rule of 78s, the amount of interest that should be refunded to (or not paid in the first place by) the Erickson's is