Mary Lawson has a credit card account with an annual percentage rate of 18.24%. The unpaid balance for her November billing cycle is $783.56. During the billing cycle she purchased a desk chair for $134.77 and a floor mat for $82.36. Mary returned a grill purchased in the previous month for a credit of $186.21 and she made a payment of $80. If the account applies the unpaid balance method, what are the finance charge and the new balance?