int main()
{
	string sirname;
	string lastname;
	double num_of_payments;
	double num_of_years;
	double loan_amount;
	double monthly_rate;
	double annual_rate;
	double monthly_payment;
	double amount_paid;
	double interest_amount;


	cout << "What is your name? (format: Mr. Smith): ";
	cin >> sirname >> lastname;

	cout << sirname << lastname << ", what is the amount of your loan? (format: 2450) ";
	cin >> loan_amount;
	cout << "What is the annual interest rate of your loan? (format: 3.0) ";
	cin >> annual_rate;
	cout << "How many years do you have to pay this loan? (format: 5) ";
	cin >> num_of_years;

	cout << "The loan amount is " << loan_amount << endl;

	annual_rate = annual_rate / 12;
	cout << "The annual rate is" << annual_rate << endl;

	num_of_payments = num_of_years * 12;
	cout << "The number of payments is " << num_of_payments << endl;

	monthly_payment = loan_amount * ((annual_rate * pow(1.0 + annual_rate, num_of_payments)) / ((pow(1.0 + annual_rate, num_of_payments) - 1));