Antonio would like to replace his golf clubs with a$$ custom$-$measured set. A local sporting goods megastore is advertising custom clubs for $$$$590,$ including a new bag.$$ In$-$store financing is available at $3\mathrm{.}38$percent$,$ or he can choose not to renew his $$$$300$ certificate of deposit$($CD$),$ which just matured. The advertised CD renewal rate is $3\mathrm{.}67$ percent. Antonio knows the$$ in$-$store financing costs would not affect his$$ taxes, but he knows$$ he'll pay taxes $(25$ percent federal and $5\mathrm{.}75$ percent$$ state$)$ on the CD interest earnings. Should he cash in the CD or use the$$ in$-$store financing?$$ Why?