On January $1,2016,$ a company agrees to pay

$$15,000$

in five years. If the annual interest rate is

$9\%$

$,$ determine how much cash the company can borrow with this agreement. $($PV of

$$1$

$.$ FV of

$$1$

$,$ PVA of

$$1$

$,$ and FVA of $\backslash$$$1)($Use appropriate factor$($s$)$ from the tables provided. Round "Table Factor" to $4$ decimal places.$)$