<?php

// your code goes here
  echo "OK! Let's do this!";
  
  $credit = 40000;
  $fee = 0.03;
  $comission = 1000;
  
  $can_pay = 5000;
  $months = 0;
  $total = 0;
  
  while ($credit > 0) {
    $months += 1;
    $credit += $credit * $fee + $comission - $can_pay;
    $total += $can_pay;
  }
  
  $total += $credit;
  
  echo " It'll take $months months and will cost near $total";