A light-duty pickup truck has a manufacturer's suggested retail price (MSRP) of$14,000 on its window. After haggling with the salesperson for several days, the prospective buyer is offered the following deal: "You pay a $1,330 down payment now and $245 each month thereafter for 37 months and the truck will be yours." The APR at this dealership is 2.3% compounded monthly. How good a deal is this relative to the MSRP? The difference of the offer is S or against the M (Round the first answer to the nearest dollar. Round the second answer to two decimal places.) L