Dave Krug finances a new automobile by paying $6,500 cash and agreeing to make 40 monthly payments of $560 each, the first payment to be made one month after the purchase. The loan bears interest at an annual rate of 12%. What is the cost of the automobile? (PV of \$1. EV of \$1. PVA of \$1. and FVA of \$1) (Use appropriate factor(s) from the tables provided. Round "Toble Factor" to 4 decimal places.)