You are buying a car, and have settled on a price of $22,678.95. You put $2,678.95 down and borrow the rest at an 8.5% APR, compounded monthly for 48 months. This requires a monthly payment of $492.97. If you decide to pay off the loan in full with a lump sum after 25 payments, how much will you need to give the dealer?  

 You receive a regular quarterly bonus of $800 at work, and deposit it in a bank account with interest of 12%, compounded monthly. How much money will you have in your bank account after 3 years?