Zachary will either lease or buy a car. The total cost to purchase the car is \(\$ 22,945\), and he would finance the car for 6 years at \(1.99 \%\). If he leases, he would pay \(\$ 2,387.75\) for the lease, and then his payments would be based on a price of \(\$ 21,350\), a residual price of \(\$ 12,390.30,36\) months, with a money factor of 0.000018375 . Compare the payments to purchase the car to the payments of the lease plus the lease cost divided by 36.