You decide to take advantage of the dealers 0.9% financing to purchase your next car. You negotiate a price of $32,000 for the car of your dreams and put $8,000 down., borrowing the rest on a 36-month loan. Calculate your monthly payment using excel PMT function, then create an ammortization table for your loan showing the payoff of your loan over time. How much interest do you pay in month 5? How much interest do you pay in month 35? Why the difference? (I will need to verify the formulas using formulatext)