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Octavia is considering a brand-new Fiat whose value is $20,000. Her local dealer offers her two options: (a) take a cash discount of $3,000 and finance the rest at a 9.9% APR; and (b) $0 cash discount and finance the entire cost at a 1.9% APR. Whichever option she chooses, she will be making certain monthly payments for the next 48 months. Which option makes more economical sense to her? A. $3,000 cash discount and 9.9% APR B. No cash discount and 1.9 % APR