One year ago, Viral Software Inc. borrowed $$25,000$ at $9\mathrm{.}75\%$ compounde

annually for a term of five years. Viral now wishes to pay off this loan by

making a $$10,000$ payment in six months, and a second payment of the

outstanding balance in two years. If money is now worth $8\%$ compounded

semiannually, determine the amount of the second payment.