Dave Krug finances a new automobile by paying $7,300 cash and agreeing to make 40 monthly payments of $520 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 EVA of \$1) (Use appropriate factor(s) from the tables provided. Round "Table Factor" to 4 decimal places.)