Ontario Children's Choir needs a fleet of vans to transport the children to singing engagements throughout Ontario. Ford offers the vehicles for a single payment of $120,000 due at the end of four years. Toyota prices a similar fleet of vans for four annual payments of $28,000 each. Ontario Children's Choir could borrow the funds at 6 percent, so this is the appropriate interest rate. Which company should get the business, Ford or Toyota? Base your decision on present value and give your reason.