After graduating from with a job offer, you in the market for a new electric vehicle. The dealer at Big Motor has offered you a price of $45,000 for the EV you want, with the following two payment options: (a) pay cash and receive a $2,500 rebate, or (b) pay a $9,000 down payment and finance the rest with a 0% APR loan over 36 months with monthly payment. Having just started your job and having a significant amount of student loan to pay, you are in debt and you expect to be in debt for the next 3 years. You plan to use credit cards to pay your expenses including the monthly payment if you took option (b): luckily you have one with a low (fixed) rate of 15% APR (monthly compounding), which payment option is best for you? Show your calculation pls