Laura drives a 2015 BMW with a blue book value of $19,000 (fully paid for), while John just bought a 2019 BMW M5 SUV last Fall (September 2019) that cost him $46,500. He was miserable when he checked his new SUV's blue book value and saw that the value had depreciated to $39,900 in the short time he has had the vehicle.  His original loan was for a loan balance of $38,000, financed for 5 years at 3.75%.  His monthly payment is? and the loan balance is?  John also owns a 2009 BMW motorcycle, which he thinks is worth $7,000.  He bought it about two years ago for $9,900, and financed it for four years at 5.99%.  He still owes? on the bike after 24 payments, and his payments are? per month.  John's combined vehicle insurance for both his car and motorcycle averages $275/month, while Laura's auto coverage is $205 monthly.