A dealer offers a six-year $12000 car loan at 3.8% interest in which you make monthly payments or a 3-year $12000 loan at 4% interest also with monthly payments. Which option will you choose to take? EXPLAIN IN DETAIL which option you would choose (make sure you tell me how much each monthly payment will be in each case. There is no right or wrong answer in your choice but make sure you explain why you would make that choice like you would describe to a client looking for financial advice). All work must be shown to receive full credit.