Suppose that you can afford to pay an installment payment of $236 per month over the next 36 months to buy a car and you can borrow at an interest rate of 1% per month. (Installment payment is paying at the end of each month.) How much interest expense would you incur in the second month? NOTE: The value should be rounded to 2 decimal places in the intermediate steps and a whole number on final result. (For instance, if you think the final answer is 4.22, write it as 4)