Uncle Li bought a five-year national construction bond of 20,000 yuan, with an annual interest rate of 3.81%. How much will Uncle Li’s principal and interest total when it matures?
李叔叔购买了五年期的国家建设债券20000元，年利率是3.81%，到期时，李叔叔的本金和利息共有多少元？
<gadget id="calculator">3.81 / 100</gadget>
<output>0.0381</output>

<gadget id="calculator">20_000 * 0.0381 * 5</gadget>
<output>3_810</output>

<gadget id="calculator">20_000 + 3_810</gadget>
<output>23_810</output>

<result>23_810</result>