Suppose that you decide to buy a car for $61,000, including taxes and license fees. You saved $ 11000 for a down payment. The dealer is offering you a choice between two incentives. Incentive A is $5000 off the price of the car, followed by a four-year loan at 7.28%. Incentive B does not have a cash rebate, but provides free financing (no interest) over four years.

The difference in monthly payments between the two offers is _____

Which incentive is the better deal?