Uptown Motors has offered Virginia either a $1,000 rebate or a 0%, 5-year loan ("manufacturer's special end-of-model year closeout offer") on the new SUV she is purchasing for $40,000 with a $3,000 down payment. Virginia has done her homework and knows that she can get a 2%, 5-year car loan at her credit union because she has a significant amount of money deposited there. Should Virginia take the rebate by financing the car loan with her credit union, or take the 0% loan from the dealer and forego the rebate? (Show all keystrokes, calculations, etc.)