When you purchased your$$ car, you took out a$$ five$-$year annual$-$payment loan with an interest rate of $6\mathrm{.}1\%$ per year. The annual payment on the car is $ $5$ comma $200.$ You have just made a payment and have 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 one year$($so there are four years left on the$$ loan$)?$

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