Karen and Wayne need to buy a 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 Sears offers them an installment loan at 12% (add-on rate). Suppose the refrigerator at Sears costs $1,518 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?