Suppose that you have two alternatives to purchase a new Mini Cooper. You must put $2500 down, and make payments of $412 per month for 48 months, at the end of each month, or pay $19,000 cash. The dealer's stated financing rate is 5.4% APR. If you pay cash for the car, how much money are you saving (+) or losing (-) in comparison with financing your purchase through the dealer? (Your answer should be positive when saving money, negative when you are paying more.)