Pacific Gas and Electric sent its customers a comparison showing that a person could save $80 per year in gas, water, and detergent expenses by replacing a traditional clothes washer with a new tumble-action washer. Suppose that the interest rate is 5%. You expect your current washer to die in five years. If the cost of a new tumble-action washer is $800, should you replace your washer now or in five years? Explain.