Roxanne is in the market for a new house, and she has found a house she likes that is selling for $400,000. The down payment on the house is 10% (the amount that the bank should require you to pay in cash) and Roxanne plans to finance the remainder with a fixed rate mortgage. The annual rate is 7% and the mortgage is for 15 years, though payments are monthly. What is the interest component of Roxanne's first monthly payment?