Mr. Li deposited 20,000 RMB in the bank for three years as a lump sum deposit and withdrawal, with an annual interest rate of 4.75%. How much RMB can he get back after maturity? (Deduction of 5% interest tax)
李某将两万元人民币按整存整取存入银行三年，年利率为4.75%，到期后共可取回多少元？(扣除5%的利息税)
<gadget id="calculator">4.75 / 100</gadget>
<output>0.0475</output>

<gadget id="calculator">20_000 * 0.0475 * 3</gadget>
<output>2_850</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">2_850 * (19/20)</gadget>
<output>5_415/2 = around 2_707.5</output>

<gadget id="calculator">20_000 + (5_415/2)</gadget>
<output>45_415/2 = around 22_707.5</output>

<result>45_415/2 = around 22_707.5</result>