On September $1,2021,$ Susan Chao bought a motorcycle for $$36,000.$ She paid $$1,000$

down and financed the balance with a five$-$year loan at an annual percentage rate of $7\mathrm{.}8$

percent compounded monthly. She started the monthly payments exactly one month

after the purchase $($i$.$e$.,$ October $1,2021).$ Two years later, at the end of October $2023,$

Susan got a new job and decided to pay off the loan. If the bank charges her a $1$ percent

prepayment penalty based on the loan balance, how much must she pay the bank on

November $1,2023?($Do not round intermediate calculations and round your answer to

$2$ decimal places, e$.$g$.,32\mathrm{.}16.)$

Total payment