Karen and Wayne need to buy a new refrigerator because theirs just broke. unfortunately their savings account is depleted and they will need to borrow money in order to buy a new one. the bank offers them a personal loan at 21 % (APR) and sears offers them an installment loan at 15% (add on rate). Suppose that the refrigerator at sears costs $1,598 plus 5% sales tax, and Karen and Wayne plan to pay for the refrigerator for 3 years. Should they finance it with the bank or with sears?