Dominique purchases a new car for 60,000. If she makes a down payment of X, she will be faced with 48 level end of month payments with the nominal interest rate being 9.6% convertible monthly. If she makes no down payment, she will be faced with 48 level end of month payments with the nominal interest rate being 4.8% convertible monthly. For what values of X is making the down payment preferable for Dominique?