Mark is in the market for a used car. he has found the same sports car at two different dealerships and is now considering which dealer he should purchase the car from. dealer 1 requires mark to get the loan through their lending department. dealer 1 has told mark that because they do their own financing, they can get mark the very best loan possible and mark will only have to pay $291 per month for 60 months (5 years). dealer 2 is selling the car for $12000. dealer 2 has told mark he can use their financing or get his own lender, so mark talked with his bank and learned that he can get a 5 year car loan for 4.5% apr. dealer 2 has also offered mark a 5 year loan for 5.5%. based on these loan options, what is mark’s lowest monthly loan payment option?