You receive a 4-year $25,000 loan with an interest rate of 9% p.a., to be repaid in four annual installments. The loan requires that you make total payments of $5,000 at t = 1, $2,000 at t =2, and $1,000 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