Susan is considering buying a $2017$ Smart ForTwo costing $$$$21550$ and finds that the retaining values of the vehicle over the next five years are as$$ follows: Percent of the total value retained after $36$months: $28\%,$ Percent of the total value retained after $60$months: $18\%.$ If her interest rate is $5\%$ compounded$$ annually, what is the ownership cost of the vehicle over three $$years$?$ Five $$years$?$