A light duty pickup truck has a manufacturer's suggested retail price (MSRP) of $14,000 on its window. After haggling with the salesperson for several days, the prospective buyer is offered the following deal: "you pay a $1,238 down payment now and $249 each month the rafter for 39 months and the truck will be yours". The APR at this dealership is 2.4 percent compounded monthly. How good a deal is this relative to the MSRP?