Leasing a bus requires making monthly payments of $6,000 for the next 5 years (i.e., at t = 1, 2, , 60). Buying the bus today (t = 0) will cost you $320,000. Assume the machine is worthless after 5 years. You can borrow and lend at a semi-annually compounded interest rate of 6% (APR). Would you be better off by buying or leasing? Explain.