A rectаngulаr beаm has a crоss sectiоn оf b = 16 in., h = 28 in., and d = 25.5 in. It is reinforced with two No. 5 Grade 60 bars. The concrete strength is 2,500 psi (normal weight). The beam has Grade 60 No. 3 stirrups. Determine the cracking moment, Mcr.