Ms$.$ Lane obtained a $$18,000$ demand loan from the Canadian Imperial Bank of Commerce on May $23$ to purchase a car. The interest rate on the loan was prime plus $2\%.$ The loan required payments of $$650$ on the $15$ th of each month, beginning June $15.$ The prime rate was $4\mathrm{.}5\%$ at the outset, dropped to $4\mathrm{.}25\%$ on July $26,$ and then jumped by $0\mathrm{.}5\%$ on

September $14.$ Calculate the balance owed after the third $$650$ payment.

$\frac{?}{\text{b}\text{a}\text{r}}(29\frac{}{{?}_0}{}^{\text{'}}91$$$)$