Susan is considering buying a 2011 Smart ForTwo costing $21,635 and finds that the retaining values of the vehicle over next five years are as follows:
Percent of the total value retained after 36 months: 28%
Percent of the total value retained after 60 months: 17%
If her interest rate is 6% compounded annually, what is the owenership cost of the vehicle over three years? five years?