a. If you take out an $20,500 car loan that calls for 4 annual payments starting at the end of the year. The car loan has an interest rate of 13.90%, what is your annual payment? (Do not round intermediate calculations. Round your answer to 2 decimal places.) .b If you take out an $20,500 car loan that calls for 4 annual payments starting at the beginning of the year. The car loan has an interest rate of 13.90%, what is your annual payment? (Do not round intermediate calculations. Round your answer to 2 decimal places.)