Melody Toyota advertises that it will sell you a Corolla for \(\$ 14,000\) or lease it to you. To lease it, you must make a down payment of \(\$ 1,650\) and agree to pay \(\$ 1,800\) at the end of each of the next two years. After the last lease payment, you may buy the car for \(\$ 12,000\). If you plan to keep the car until it falls apart (at least a decade) and the interest rate is \(10 \%\), which approach has a lower present value of costs (assuming no inflation)?