Jill does not have enough cash to buy a new car, but has a good credit record. She can finance the car with either a dealer or a bank. The car dealer offers her zero payment for the first twelve months and then 11% per year interest, compounded monthly for 48 months. The car loan at the bank is 10% per year interest, compounded monthly for 60 months. If the car costs $250 000, should Jill finance the car with the dealer or the bank?