You've been shopping for a car. You have $3000 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 $22,000 is reasonable. After considerable negotiations, the salesman says that, including your $3000 down, they can finance you at 5% for 5 years (60 months), and your monthly payments will be $358.55. Should you accept their offer? Show all calculations and explain.