You have a loan outstanding. It requires making twenty annual payments at the end of the next twenty years of $4,000 each (t=1 to t=20). Your bank has offered to restructure the loan so that instead of making twenty payments as originally agreed, you will make only a one-time payment in twenty five years (t=25). If the interest rate on the loan is 5%, what one-time payment will the bank require you to make so that it is indifferent between the two forms of payment?