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