Suppose that you have two alternatives to purchase a new Mini Cooper. You must put $2500 down, and make payments of $416 per month for 48 months, at the end of each month, or pay $19,000 cash. The dealer's stated financing rate is 7.4% APR. If you agree to the financing terms, how much money are you saving (+) or losing (-) in comparison to paying cash in dollars and cents? (Your answer should be positive when saving money, negative when you are paying more.)