def balance_remaining(bal, ir, pr):
    """
    bal: float, starting account balance
    ir: float, annual interest rate
    pr: float, minimum monthly payment rate (proportion of balance)
    
    Returns the remaining balance as a float, rounded to 2 decimal points,
        after applying the minimum monthly payment.
    """
    unpaid_bal = (1.0 - pr) * bal
    return (1 + (ir / 12.0)) * unpaid_bal