Joan borrowed $18,000.00 to buy a car. She repaid $4300.00 two months later and $8100.00 six months later. After twelve months, she borrowed an additional $6300.00, and repaid $5400.00 after 15 months. She paid the entire balance, including the interest, after 24 months. Interest was 9% compounded monthly for the first year and 9.2% compounded monthly for the remaining time. What was the size of the final payment? The final payment is $ (Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places as needed.).