You've been shopping for a car. You have $1000 for a down payment, and will need to finance the remainder of the purchase. You find something suitable at a local car dealer, and you think the sticker price of $17,000 is reasonable. After considerable negotiations, the salesman says that, including your $1000 down, they can finance you at 6% for 4 years (48 months), and your monthly payments will be $399.25. Should you accept their offer? Show all calculations and explain.