Draw a mechanism and use a chair structure to explain the major product that is formed in the reaction below. 
Definitions:
Total Interest
The sum of all interest payments made over the life of a loan or credit.
Five-Year Period
A specific timeframe of five years used for planning, investment analysis, or as a measure of time.
Compounded Monthly
Interest calculated on the initial principal and previously earned interest, recalculated every month.
Car Loan
A financial agreement in which a borrower receives money to purchase a car and agrees to repay the lender over time, typically with interest.
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