After much consideration you have decided to purchase a boat. This is a luxury item for you so you need to make sure that you get the best deal that you can. You found the same boat at two different retailers. Marine Max has the boat you want for $29,909 and they will offer financing for 5 years at 5.25% APR. Lowe Boats has the same boat for $28,889 and they will offer financing for 6 years at 6.00% APR. Will this problem use FV, PMT or both?