Ozan can finally afford a car. The dealer calculates with 10% p.a. and offers the following Repayment schedule: Down payment (t0): 20,000, after one year (t1) second payment 20,000, final payment 20,000 after another two years (t3). The car's cash sale price is 50,000. Would Ozan Accept the proposed repayment schedule or buy the car in cash?