The Johnsons Decide to Buy a Car. After several years of riding a bus to work, Belinda finds that she can no longer do so because her employer moved to a location that is not convenient for public transportation. Thus the Johnsons are in the market for another car. Harry and Belinda estimate that they could afford to spend about $12,000 on a good used car by making a down payment of $2,000 and financing the remainder over 36 months at a 6 percent interest rate for $304 per month. (b) If they cannot make room in their budget fora $304 monthly car payment, would you recommend they finance a vehicle for 48 or 60 months