Benjamin, Ximena, Lisbeth, Delatta, Michelle, and Eduardo are helping their fellow classmate Elizabeth search for a good deal regarding the purchase of a new Honda Accord automobile. After researching all the Honda dealers in this area, they have decided that they have found the best deal at Honda Cars of Rockwall, Texas.

The following is their best deal and they want to know what the monthly payment will be. The new Honda Accord is $36,250 and that includes an extended warranty, tax, title and license...(TT&L). To help reduce the cost of this purchase he will receive two discounts; one the Honda "Purchase Incentive" $500 off discount and the second is the College Student discount of $400. Jose has elected to make monthly payments for four years. He has a trade-in vehicle that will decrease his purchase cost of the new vehicle by $17,600. The Honda interest rate program is the best that he can find which is 3.9%.

All things considered Elizabeth is still hesitant to make the purchase. She cannot afford a monthly payment in excess of $400. John Freezer, General Manager of Honda Cars of Rockwall wants to help make Elizabeth feel like she has the best price possible. Both Samuel and Pamela are also classmates of Elizabeth and they asked Mr. Freezer for anything else that can be done to make this car purchase possible. He decided to provide her an additional discount of .845% (.00845) and he rounded to the nearest dollar on the discount. Elizabeth supported by her research team of Benjamin, Ximena, Lisbeth, Delatta, Michelle, Eduardo, Samuel and Pamela believe that this is the best deal available.

Elizabeth decides on this purchase but wants to know what her monthly payments will be. What is her monthly payment? (Please note the amount to the nearest penny and a hint is that this amount should be a negative number).