Uncle Zhang deposits 4,000 yuan in the bank and withdraws it as a lump sum for five years. The annual interest rate is 3.60%, and the interest tax rate is 5%.
张叔叔把4000元钱存入银行，整存整取五年，年利率是3.60%，利息税税率为5%，到期时张叔叔的本金和税后利息共有多少元？
<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">4_000 * 0.036 * 5 * (19/20)</gadget>
<output>684</output>

<gadget id="calculator">4_000 + 684</gadget>
<output>4_684</output>

<result>4_684</result>