Which of the following equations will calculate the monthly car payment if a lump sum of $20,000 is borrowed for 4 years at 0.5% monthly interest (compounded monthly) to purchase the car? $20,000(PIA, 0.5%, 48) O $20,000(FIP, 0.5%, 4) $20,000(AIP, 0.5%, 48) $20,000(AIP, 0.5%, 4)