Syndy brought her car to the dealership to get an oil change. The salesmen approached her with an offer for this year's model with the price tag of MSRP $35,223.91. The loan options are 1.9% APR on 60 months loan, and 2.9% APR on 72 months loan with a $10,000 down payment. Syndy needs to figure out monthly payments and total cost of a new car with offered loans options ? By using an amortization loan formula what would be her monthly payments and the total cost on 1.9% APR on 60 months loan, and 2.9% APR on 72 months loan? Analyze the model function and find the domain, what x=0, represents, graph the function, the first and the second derivatives of the function and explain them in the context of the data.

R= Pi/1- (1+i)^-n.