Daniel and Angie Callan are buying a $480,000 home. Their annual housing expenses: mortgage
payments, $38,304; real estate taxes, $9,240; annual insurance premium, $1,766; maintenance, $1,275;
and utilities, $4,600. The lost interest on the down payment is $4,800, and the tax savings is $6,400. What
is the Callan's average monthly expense?