Kevin wanted to rent a share in a ski house for the upcoming winter, a six-month season. The house owner would not allow Kevin to pay the rent in six equal payments over the course of the ski season and, instead, required full payment up front. Kevin found an investment opportunity promising a 7% annual return. He also found a loan with a 4% annual interest rate. He decided to take out the loan to pay the landlord the full amount of the rental. Every month, Kevin planned to deposited one sixth of the loan amount (or what would have been the monthly rental payment) into the investment and take the chance that the investment would return what it promised. Kevin most likely took out an installment loan because he