$36$ The initial balance of a loan is $\backslash (\backslash$$ $20,000\backslash )$ and the interest rate is $\backslash (1\backslash \%\backslash )$ per month $\backslash ((12\backslash \%\backslash )$ per year $\backslash ()\backslash ).$ A monthly payment of $\backslash (\backslash$$ $200\backslash )$ is applied to the loan at the start of each month. Use convolution to calculate the loan balance after each monthly payment.