1. write a function to compute the monthly payment required to pay
   off a loan in a given number of months using the following formula:
   payment = (r * loanamount) / (1 - (1+r)^-n)
   where r is the monthly interest rate (annual rate divided by 12) and
   n is the number of monthly payments.

2. What time it is? 
   you need to do in python
      import time
   In python time.time() returns the second after midnight 1970.
   You will need to use modulus % and integer division // to determine 
   hours and minutes.

3. is this a leap year?
   Years divisible by 4 are leap, except if the year is divisible by 
   100 but if the year divisible by 400.