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Bryan's credit cards has an APR of 12% for purchases and cash advance,they use a daily periodic rate for purchases and cash advance. there is a cash advance fee of 3% . in 31 day billing cycle, Bryan's purchases balance that is subject to finance charges is $286.26 in addition, he took an advance on it for 15 days. Bryan did not pay off his credit card, and the next month the purchases balance subject to finance charges was $622.86. What are the total finance charges for 31 day billing cycle?

he took an advance of $500 during the billing cycle and must pay finance charge on it for 15 days