You receive a credit card application from Shady Banks Savings and Loan offering an introductory rate of $\mathrm{.}6$ percent per year, compounded monthly for the first six months, increasing thereafter to $16\mathrm{.}9$ percent compounded monthly. Assume you transfer the $$5,900$ balance from your existing credit card and make no subsequent payments. How much interest will you owe at the end of the first year? $($Do not round intermediate calculations and round your answer to $2$ decimal places, e$.$g$.,32\mathrm{.}16.)$