Christina is considering buying a new car with a sticker price of $23,599. Her credit union offers her a three-year car loan at 5.99% annual percentage rate (APR) with 10% as a down payment. What is her actual present value? (after the down payment has been taken out) O a) $21,097.59 Ob) $22, 198.34 c) $21239.10 O d) $23,598.00