You receive a 4-year $25,000 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 $5,000 at t = 1, $2,000 at t = 2, and $2,000 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?