Dave Krug finances a new automobile by paying $6,800 cash and agreeing to make 40 monthly payments of $580 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 automoble? (PV of \$1. EV or \$1, PVA or S1, and EVA of S1) Note: Use appropriate factor(s) from the tables provided. Round "Table Factor" to 4 decimal places