Sophia purchased a variable annuity contract with $115,000 purchase payment. Surrender charges begin with 8 percent in the first year and decline by 1 percent each year. In addition, Sophia can withdraw 11 percent of her contract value each year without paying surrender charges. In the first year, Sophia needed to withdraw $19,750. Assume that the contract value had not increased or decreased because of investment performance. What was the surrender charge Sophia had to pay?