3. The unpaid balance at the start of a? 30-day billing cycle was ?$791.99. A purchase of ?$59.81 was made on day 15. No payment was made during the billing cycle and a late fee of ?$31 was charged to the account on day 23. Find the unpaid balance at the end of the billing cycle. Assume that the annual interest rate on a credit card is 20.39?% and interest is calculated by the average daily balance method.