You have purchased a new car for $40,000. You will fund the purchase with financing offered by your bank. The bank requires you to make a 10% down payment, and it will provide you a loan for the remainder of the purchase price. The loan will be repayable in 48 equal monthly payments accruing interest at the rate of 4.5% per year. How much interest will you pay over the term of the loan? Solve the problem using excel and XIRR formula