Sarah Yost took out a 48-month fixed installment loan of $26,000.00 at 9% APR to open a gift shop. She began making monthly payments of $647.02. Sarah's business does better than expected and instead of making her 12th payment, Sarah decides to repay her loan in full. Use the actuarial method to determine how much interest Sarah will save. You may use the APR table from your textbook to solve this problem. (Book gives us the APR of 19.45)