You are shopping for furniture for your new home and have found some pieces that you like. The price for the furniture package is $20,000 and the dealer is offering 0% financing for 36 months. You believe, based on what the salesperson said, that you could save $4,000 by paying cash. You know you can always borrow from your credit union and pay cash, but you need to know the true cost of the 0% financing in order to make a decision. What is the true cost of the dealer financing? Enter your answer in decimal format using for decimal places. For example, 3.25% would be entered as .0325.