An automotive dealer borrowed from the Bank of Montreal on a demand note on . Interest on the loan, calculated on the daily balance, is charged to the dealer's current account on the th of each month. The automotive dealer made a payment of $ on July , a payment of $ on October 1, and repaid the balance on December 1. The rate of interest on the loan on was % per annum. The rate was changed to % on August 1 and to % on October 1. What was the total interest cost for the loan?