Antonio would like to replace his golf clubs with a custom measured set. A local sporting goods megastore is advertising custom clubs for $870, including a new bag. In-store financing is available at 2.43 percent or he can choose not to renew his $600 certificate of deposit (CD), which just matured. The advertised CD renewal rate is 2.77 percent. Antonio knows thein-store financing costs would not affect his taxes, but he knowshe'll pay taxes (25 percent federal and 5.75 percent state) on the CD interest earnings. Should he cash the CD or use thein-store financing? Why?