Xiao Ming deposits 20,000 yuan in the bank for 5 years, with an annual interest rate of 3.6%. How much will he get in total when the loan is due? (Interest tax = interest * 5%)
小明把20000元存入银行，定期5年，年利率3.6%．到期时，他可以获得本息共多少元？(利息税=利息*5%)
<gadget id="calculator">3.6 / 100</gadget>
<output>0.036</output>

<gadget id="calculator">5 / 100</gadget>
<output>1/20 = around 0.05</output>

<gadget id="calculator">1 - (1/20)</gadget>
<output>19/20 = around 0.95</output>

<gadget id="calculator">20_000 * 0.036 * 5 * (19/20)</gadget>
<output>3_420</output>

<gadget id="calculator">20_000 + 3_420</gadget>
<output>23_420</output>

<result>23_420</result>