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If Stuart buys a $20,000 car with a down payment of $2,000 and is given a 3-year loan with an APR of 10.4 percent and
monthly payments of $584.20, what is the dollar amount of the finance charge on this loan?
A. $18,000.00
B. $3,031.20
C. $2,048.72
D. $21,031.20