A light-duty pickup truck has a manufacturer's suggested retail price (MSRP) of $14,500 on its window. After haggling with the salesperson for several days, the prospective buyer is offered the following deal: "You pay a $1,243 down payment now and $240 each month thereafter for 38 months and the truck will be yours." The APR at this dealership is 2.8% compounded monthly. How good a deal is this relative to the MSRP? The difference of the offer is $_____ or ____% against the msrp.