Jenkins plans to purchase a delivery truck. The truck, which has a useful life of 6 years, could be leased by making 6 equal annual payments of $3,000, beginning on the day the lease is signed. Alternatively, Jenkins could borrow at the bank at an annual rate of 10%, in order to purchase the truck at a price of $13,900 plus a title fee of $400. Under both the lease and purchase options, Jenkins would be responsible for insurance and maintenance on the truck. Should Jenkins lease or buy?