Samantha wants to buy a new car in 5 years. The car she wants costs $30,000 today and is expected to appreciate in value at a rate of 2% per year. Samantha has $5,000 to invest today and wants to invest this money in a savings account that pays an annual interest rate of 4%.

a) How much money will Samantha have in the savings account after 5 years if she invests the full $5,000 today?

b) If Samantha wants to buy the car in 5 years without taking a loan, how much money does she need to save each year for the next 5 years to be able to afford the car?

c) Alternatively, Samantha can take a car loan with an interest rate of 6% per year and pay back the loan in equal monthly installments over a period of 5 years. What will be Samantha's monthly payment if she takes this option?