[tex]\bf \qquad \textit{Amount for Exponential Decay}\\\\
A=P(1 - r)^t\qquad
\begin{cases}
A=\textit{accumulated amount}\\
P=\textit{initial amount}\to &28000\\
r=rate\to 7.25\%\to \frac{7.25}{100}\to &0.0725\\
t=\textit{elapsed time}\to &5\\
\end{cases}
\\\\\\
A=28000(1-0.0725)^5\implies A=28000(0.9275)^5
\\\\\\
A\approx 19218.859982795703125[/tex]