When you purchased your car, you took out a $5-$year annual$-$payment loan with an interest rate of $7\%$ per year. The annual payment on the car is $$5,100.$ You have just made a payment and now decided to pay off the loan by repaying the outstanding balance. What is the payoff amount for the following scenarios?

a$.$ You have owned the car for $1$ year $($so there are $4$ years left on the loan$)?$

b$.$ You have owned the car for $4$ years $($so there is $1$ year left on the loan$)?$

a$.$ You have owned the car for $1$ year $($so there are $4$ years left on the loan$)?$

The payoff if there are $4$ years left on the loan is $?($Round to the nearest cent.$)$