23. a. You plan to buy a car that has a total cost of RM80,700. You will make a down payment of RM8,070. The remainder of the car's cost will be financed over a period of 2 years. You will repay the loan by making equal (monthly payments. Your quoted annual interest rate is 12% compounded monthly. (The first payment will be due one month after the purchase date. What will your monthly payment be? [Anda merancang untuk membeli sebuah kereta yang mempunyai kos sebanyak RM80,700. Anda akan membuat bayaran pendahuluan sebanyak RM8,070. Baki kos kereta akan dibiayai selama 2 tahun. Anda akan membayar balik pinjaman dengan membuat bayaran bulanan yang sama. Kadar faedah tahunan adalah 12% dikompaunkan setiap bulan. (Bayaran pertama akan (4m) dibayar sebulan selepas tarikh pembelian.) Apakah bayaran bulanan anda?]