Modified problem $4\mathrm{.}56$ from page $204$ of the Park

$(2023)$ textbook, which now reads:

"You borrowed $$46,000$ from a bank to buy a new car

at an interest rate of $10\%$ compounded monthly. The

loan will be repaid in $36$ equal monthly installments

over three years. Immediately after the $20$th payment,

you decide to pay the remainder of the loan in a

single payment. Compute this lump$-$sum payment

amount."

Note: Please enter your answer to two decimal

places.