Mary uses public transport but wants to purchase a gas vehicle to drive to and from various places and help carry her supplies. She is considering doing a pros and cons analysis of buying versus leasing a vehicle. She has found a 2019 used car on sale for $17,500, but she is also considering leasing a hybrid vehicle from the dealership for $80 a month at 6.99% interest with $3,000 as a down payment. She thinks either car will last her five years. Calculate the Cash Payback and Net Present Value.