Let's multiply our loan amount that's $200,000 times 1 minus r, so 1 minus 0.995 divided by r which is 0.995 minus 0.995 to the of the-- now n is 360 months, so it's going to be 360 plus 1 to the 361 power, something I could definitely not do in my head, and then I close the parentheses, and my final answer is roughly $1,200. 