Mr.Jones borrows $25, 000 from Bank B for 10 years. He makes semiannual payments of $2, 000. The bank receives interest on the loan at 10% convertible semiannually during the first five years and at 8% convertible semi- annually for the last five years. The balance of each payment is invested in the sinking fund earning 7% convertible semiannually. At the end of 10th year by what amount will the sinking fund be short of repaying the loan?