A buyer of a 2003 Protege S Hatchback has a choice of 0% financing for 60 months or a $3,600 rebate. He plans to make no down payment. The buyer is able to qualify for 7% annual effective financing through his credit union and thereby take advantage of the rebate. Let Y denote his negotiated price for the Protege S Hatchback. How large must Y be in order for the 0% dealer financing to be preferable?