You have just arranged a $30,000 loan from your bank at an annual rate of 12%. The loan calls for annual payments of $2,500 over the next 9 years, and a final payment at the end of year 10. How big will the final payment (balloon) be?

a. $59,975

b. $63,619

c. $64,987

d. $75,348

e. none of the above, the answer is $___________.