import java.text.NumberFormat;

class Loan{
	private static final int MONTHS_IN_YEAR = 12;

	private double amountBorrowed;
	private double yearlyRate;
	private int    year;

	public Loan(double P, double R, int Y){
		amountBorrowed = P;
		yearlyRate     = R;
		year           = Y;
	}

	public double getAmountBorrowed(){
		return amountBorrowed;
	}

	public double getYearlyRate(){
		return yearlyRate;
	}

	public int getYear(){
		return year;
	}

	public double monthlyPayment(){
		double monthlyRate = yearlyRate / MONTHS_IN_YEAR / 100;
		int period         = year * MONTHS_IN_YEAR;
		double numerator   = monthlyRate * Math.pow((1 + monthlyRate), period);
		double denominator = Math.pow((1 + monthlyRate), period) - 1;
		return amountBorrowed * numerator / denominator;
	}

	public double totalPayment(){
		return monthlyPayment() * year * MONTHS_IN_YEAR;
	}

	public String toString(){
		NumberFormat fmt = NumberFormat.getCurrencyInstance();
		return fmt.format(amountBorrowed) + " at " + yearlyRate + "% for " +
		       year + " years will cost you " + fmt.format(monthlyPayment()) + " per month";
    }
}