Rubn Thosa has a credit card that charges 40% interest. At the beginning of the month, he had a balance of $ 19,730. On day 9, he made a payment to his card for $ 2,015. On the 17th, he bought some loudspeakers to listen to reggaeton at full volume, for $ 1,975. Your average daily balance, including new purchases, was 19715 and your average daily balance, not including new purchases, was 18319. If the bank charges you interest using the adjusted balance method, how much will your finance costs be?