Perry wanted to buy a $5,000 fur coat, but did not then have the cash to pay for it. She offered to put down $1,000 and sign an agreement to pay the balance in six months. The store gave Perry a document to sign calling for her to pay $4,000 and the maximum contract rate of interest in six months. Perry remembered the terms maximum contract rate, legal rate and usury from her business law class, but was not sure what they were or whether the document was proper. What would you advise her?