Sophia purchased a variable annuity contract with $75,000 purchase payment. Surrender charges begin with 7 percent in the first year and decline by 2 percent each year. In addition, Sophia can withdraw 10 percent of her contract value each year without paying surrender charges. In the first year, Sophia needed to withdraw $13,000. Assume that the contract value had not increased or decreased because of investment performance. What was the surrender charge Sophia had to pay?