Derek plans to buy a $$28,518\mathrm{.}00$ car. The dealership offers zero percent financing for $55\mathrm{.}00$ months with the first

payment due at signing $($today$).$ Derek would be willing to pay for the car in full today if the dealership offers him $

cash back. He can borrow money from his bank at an interest rate of $5\mathrm{.}92\%.$

Answer format: Currency: Round to: $2$ decimal places.