$$You receive a credit card application from Shady Banks Savings and Loan offering an introductory rate of $1\mathrm{.}25$ percent per year, compounded monthly for the first six months, increasing thereafter to $17\mathrm{.}8$ percent per year, compounded monthly. Assuming you transfer the $$9,000$ balance from your existing credit card and make no subsequent payments, how much interest will you owe at the end of the first year?