You plan on going on a 11 month vacation 7 months from now. You can pay $4,957 per month during the vacation, or you can pay $41,710 today. If you pay today, how much does it save (or cost) you in present value term if your investments earn 3.65% APR (compounded monthly)? If it costs you more to pay today, state your answer with a negative sign (eg., -2000).