Jonathan was offered a free Lexus today or $45,000 one year from now. The current price for the Lexus he was offered is $40,000 and this is how much he would have to pay if he were to buy it from the local dealer. The secondary market price for a pre-owned Lexus that has no miles on it is $35,000. Jonathan took the Lexus. What is Jonathan's personal discount rate? Does it matter if he plans to keep the Lexus or sell it?