if you cant see the pictures zoom in every is visible

i don't understand what is not visible please tell me how they got 4.5% and why the formula i am using is not getting 4.5/12%

2/5/ Example 4.15: Financing Your Vehicle: Paying Cash, Taking a Loan, or Leasing Example 4.15: Financing Your Vehicle: Paying Cash, Taking a Loan, or Leasing Option B Option C Debt Finanong Paying Cash . Suppose you intend to own or lease a vehicle for 42 $32,508 $32,500 months. Consider the following three ways of financing the vehicle-say, a 2009 BMW 323i Sedan a Option A: Purchase the vehicle at the normal price of $32,508, and $32 508 Down payment APR (%) Monthly payment $4,500 pay for the vehicle over 42 months with equal monthly payments at 5.65% APR financing. 736.53 42 months 5994 $395 17,817 $1,507.76 42 months a Option B: Purchase the vehicle at a discount price of $31,020 to be paid Option C: Lease the vehicle for 42 months. The accompanying chart lists items of interest under each as well as taxes andinseranee. Cash due at lease end Purchase option at lease end Cash due at sigring a $31,020 extra. es Your Earning In Which Interest Rate to Use to Compare These Options? ate F 4.5% . Option A Paet $4,500+ S73653(PAh4.5%/12, 42) $17,817(P/F/4.5%A2, 42) $17.847 Option B: Cash Financing Pash $31,020-$17,817(PIF 4.5%/12,42) -$15,845 . Option C: Lease Financing Phease $1,507.76 $513.76(P/A, 4.5%/12, 42) + S395(PF, 4.596/12, 42) $21,336 Example 4.16: Compounding Less Frequent Than Payment Mortgages