year Leilah Carlos owes $25,000 due at the end of one year and another $25,000 due at the end of 5 years. He agrees to pay $35,000 on the 2nd, and the balance a year after his first payment. How much must he pay for his second payment if money is worth 5% compounded semi-annually? O a. $13,472 O b. $12,823 O c. $19,530 O d. $23.795