Home First Bank must invest in a new computer system to handle banking transactions. Management has considered buying from one of two vendors. National Computers, Inc., offers higher-priced equipment that has a higher residual value and a lower-priced contract service. American Computers, Inc., offers lower-priced equipment with a lower residual value and a more expensive contract service package. Both systems have the same expected useful life, and both have an established record of performing satisfactorily. It has been determined that there is no impact on customer service or operating costs other than service regardless of which vendor is chosen. Home First Bank's president, Jane Greene, has asked her chief financial officer, John Warren, how the decision should be made. Assume you are the CFO. How would you respond?