Antonio would like to replace his golf clubs with a custom$-$measured set. A local sporting goods megastore is advertising custom clubs for $$620,$ including a new bag. In$-$store financing is available at $5\mathrm{.}56$ percent, or he can choose not to renew his $$400$ certificate of deposit $($CD$),$ which just matured. The advertised CD renewal rate is $7\mathrm{.}73$ 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?