Suppose that you have the option to lease a new car, which you otherwise intend to purchase for $21,000. The lease terms: $3000 down and payments of $299 per month for 48 months, at the beginning of each month. Upon termination, you can purchase the car for an addition payment of $7000 at lease expiration. If your financing rate is 8.2% APR, and you discount the lease-purchase option using that same rate, how much will pay to buy car (in present-value terms) using the lease-purchase option?