import java.util.*;

public class Interest {
  
  public static void main(String[] args) {
    double balance;
    double rate;
    double monthlyInterest;
    
    balance = getInput("Enter the loan balance: ");
    rate = getInput("Enter the annual interest rate as a percentage (0-100): ");
    monthlyInterest = calculateInterest(balance, rate);
    showResult(monthlyInterest);
  }
  
  public static double getInput(String prompt) {
    double valueIn;
    Scanner keyboard = new Scanner(System.in);
    System.out.println(prompt);
    valueIn = keyboard.nextDouble();
    return valueIn;
  }

  public static double calculateInterest(double balance, double rate) {
    double interest;
    interest = (rate / 100.0 / 12.0) * balance;
    return interest;
  }
  
  public static void showResult(double interest) {
    System.out.println("Monthly interest: " + interest);
  }
}