Assume that you've been shopping for a new car and intend to finance part of it through an installment loan. The car you're looking for has a sticker price of $15,000. The local dealership has offered to sell it to you for $2,500 down and finance the balance with a loan that will require 48 monthly payments of $323.07; Adventure Vehicles will sell you the exact same vehicle for $2,000 down plus a 60-month loan for the balance, with monthly payments of $289.18. Which of these two finance packages is the better deal?