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