A loan of $145,000$ is going to be repaid by month$-$end repayments of $3,000$ starting in one month. The interest rate is $5\mathrm{.}4\%$ p$.$a$.$ compounded monthly. Calculate the loan outstanding balance at the end of year $2.$ Correct your answer to the nearest cent without any units. $($Do not use $"$$$"$ or $","$ in your answer. e$.$g$.12345\mathrm{.}67)$