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When you purchased your car, you took out a $5-$year annual$-$payment loan with an interest rate of $3\%$ per year. The annual payment on the car is $$4,800.$ You have just made a payment and have now decided to pay off the loan by repaying the outstanding balance. What is the payoff amount for the following scenarios?

a$.$ You have owned the car for $1$ year $($so there are $4$ years left on the loan$)?$

b$.$ You have owned the car for $4$ years $($so there is $1$ year left on the loan$)?$