You have taken out a

60-month,

$22,000

car loan with an APR of

4%,

compounded monthly. The monthly payment on the loan is

$405.16.

Assume that right after you make your

50th

payment, the balance of the loan is

$3,978.30.

How much of your next payment goes toward principal and how much goes toward interest? Compare this with the prinicipal and interest paid in the first month's payment.(Note: Be careful not to round any intermediate steps less than six decimal places.)