Draw a mechanism for the following reaction. 
Definitions:
Nominal Annual Interest
Nominal annual interest is the stated interest rate associated with a loan or investment, not accounting for compounding or inflation effects within a specific year.
Monthly Car Payments
Regular payments made by a borrower to a lender for the financing of a vehicle purchase, typically structured over a set period.
Down Payment
An initial payment made when something is bought on credit, typically a percentage of the purchase price.
Compounded Annually
The process of calculating interest on both the initial principle and the accumulated interest of previous periods on a yearly basis.
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