You receive a 4-year $23,000 loan with an interest rate of 8% p.a., to be repaid in four annual installments. The loan requires that you make total payments of $6,000 at t= 1, $2,000 at t = 2, and $3,000 at t = 3, with the remaining loan balance paid at maturity. What is the total payment amount at t = 4, rounded to the nearest dollar