A local car dealership is holding a year-end event because new car models have just been released. Declan has $35,000 to spend on a car. The car Declan decides to buy for his family costs $35,000. However, it is part of the year-end event, which means he receives a 15% discount on the new car. Declan plans to put the money he saves on the car into a new bank account. The bank account has a yearly simple interest rate of 4%, paid at the end of each year. If Declan does not add any other money to this bank account, it will take