Suppose that you have the option to lease a new car, which you can otherwise purchase for $21,000. The lease terms: $3000 down and payments of $317 per month for 48 months, at the beginning of each month. Upon termination, you can purchase the car for an additional payment of $7000 at lease expiration. If your financing rate is 9.2% APR, and you intend to finance the purchase of the car, how much do you gain (+) or lose (-) by buying the car instead of using the lease-purchase option?