Antonio would like to replace his golf clubs with a custom-measured set. A local sporting goods megastore is advertising custom clubs for $800, including a new bag. In-store financing is available at 2 percent, or he can choose not to renew his $500 certificate of deposit (CD), which just matured. The advertised CD renewal rate is 2 percent. Antonio knows the in-store financing costs would not affect his taxes, but he knows he'll pay taxes (25% federal taxes and 5.75% state taxes) on the CD interest earnings. Should he cash in the CD or use the in-store financing? Why?