3. You recently got promoted at your job. You have since decided to buy your dream car which costs $97,000 today. The car dealer gives you two choices a) pay the money upfront and take possession of the car - if you do so, you get a 5% discount on the purchase price b) pay $38,999 at the end of every year for the next 3 years. If the prevailing annual market interest rate is 12%, as a rational investor, what choice will you make