An American call has two periods to go before expiring. Its stock price is $30,$ and its exercise price is $25.$ The risk$-$free rate is $0\mathrm{.}04,$ the value of u is $1\mathrm{.}2,$ and the value of d is $0\mathrm{.}90.$ The stock pays a dividend at the end of the first period at the rate of $8\%.$ The value of the call at t$=0$ is closest to$?$