$16.$ Go to the St$.$ Louis Federal Reserve FRED database, and find data on the interest rate on a four$-$year auto loan $($TERMCBAUTO$48$NS$).$ Assume that you borrow $$20,000$ to purchase a new automobile and that you finance it with a four$-$year loan at the most recent interest rate given in the database. If you make one payment per year for four years, what will the yearly payment be$?$ What is the total amount that will be paid out on the $$20,000$ loan?