You receive a credit card application from YOUOWEUS Bank offering an introductory rate of 1.8% compounded monthly for the first 9 months, increasing thereafter to 20% compounded monthly. If you transfer a balance of $ 10,000 from your existing credit card and make no subsequent payments, how much interest would you owe at the end of the first year and at the end of the second year? Assume you pay the interest owed at the end of the year.