Dave Krug finances a new automobile by paying $7,100 cash and agreeing to make 20 monthly payments of $480 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. FV of \$1, PVA of \$1, and FVA of \$1) Note: Use appropriate factor(s) from the tables provided. Round "Table Factor" to 4 decimal places