Joan wants to buy a new car. The dealer has agreed to let Joan have the $16,000 car now and Joan will make no payments for 6 months. The dealer is requiring a $2,000 down payment now, 48 monthly payments and is charging 10% annual interest, compounded monthly. Interest will be charged during the 6 months preceding the first payment and will be included in the calculation of the payment. Determine Joan's payments. $373.20