Mazda’s current incentives for customers looking to buy a Mazda 6 include either financing at an APR of 5.1 percent compounded monthly for 60 months or \($1,000\) cash back. Let’s assume Akira wants to buy a premium Mazda 6 Saloon, which costs \($35,000,\) and she has no down payment other than the cash back from Mazda. If she chooses the \($1,000\) cash back, Akira can borrow from VBiz Credit Union at an APR of 6.7 percent compounded monthly. What will Akira’s monthly payment be under each option? Which option should she choose?