At Square-Deal Sam's Auto Dealership, you purchase a new vehicle using a trade-in and some cash as down-payment. For the remaining cost, you take out a loan balance of exactly $28,000 and negotiate interest of 4.5% APR with monthly payments for five years. Assume you win a small cash lottery prize and can pay off the loan balance after you've made only 20 payments. To keep Sam honest, compute your remaining balance on the loan after the first 20 payments... O a) $522.00 O b) $10,440 O c) $15,713 a d) $17,560 O e) $19.356