Suppose that you have the option to lease a new Mitsubishi Eclipse, which you otherwise intend to buy. You must put $2000 down, and will make payments of $314 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. Alternatively you can purchase the car for $21,000, which your bank is willing to fully finance at 4.1% EAR for 48 months. If you lease-purchase the vehicle, how much do you save (+) or lose (-) in present value terms as opposed to using bank financing? (make your answer positive when you save, negative when you are paying more.)