Janelle wishes to finance a car for $33,000. The bank's annual interest rate is 3.5%, and she can choose between durations of five or six years. Calculate the monthly payment and total amount paid for both duration options. Use the formula, P = A ( r/n ) ( 1 + r/n )^nt / ( 1 + r/n )^nt − 1 where A is the amount to finance, r is the annual interest rate, n is the number of times interest is applied per year, and t is the number of years. Show all of your steps.