Sam is getting ready for a big date when he realizes that he has no money. his roommate, Bill, also has no money, but he has a credit card. knowing that nobody will let Sam use Bill's credit card, Sam asks Bill to put out a cash advance for $120.00. Bill agrees under the condition that Sam is responsible for all interest that accrues on the cash advance which is 30% interest rate, compounded monthly. The $120 cash advance is repaid in monthly installments over 5 years. How much should Bill ask Sam to pay in interest for the cash advance?