A buyer of a 2018 Toyota RAV4 has a choice of 0% financing for 60 months or a $3,000 cash back incentive). He plans to make no down payment. The buyer is able to qualify for 3.9% annual effective financing for 5-years with level end-of-month payments through his credit union and thereby take advantage of the cash back incentive. Let Y denote his negotiated price for the RAV4. Suppose Y > $32,900. Which would be preferable, the 0% dealer financing or the $3,000 cash back incentive