You are buying a $10,000 new car from CU Autos. You need to pay $1,000 down (i.e. an initial deposit of $1,000) and then $300 a month for the next 30 months starting one month later. HKU Autos next door offer you $800 off the list price. In other words, it is charging you $9,200. If interest rate is 10% a year, which company is offering the better deal