On November $30,2023,$ Calla Resources Ltd$.$ borrowed $$80,000$ from a bank by signing a four$-$year installment note bearing interest at $12\%.$ The terms of the note require equal payments each year on November $30,$ starting November $30,2024.$ Use TABLE $14$A$\mathrm{.}2($Use appropriate factor$($s$)$ from the tables provided.$)$