I need a good laugh today.  Please post a good clean joke today.  There is a dude named Aristotle who defined what comedy is in his book the Poetic.  Could someone summarize it here.

5 points EC to the first 3 people who can upload a screen capture of the Excel calculations with some explanations.  Show which is the better deal and by how much. It's tricky.  Think real life!  You are buying a car in Modesto, CA  USA.
Deal 1: $10,000 without  a rebate
Deal 2: $11,500 w/ a $1500 rebate

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How to use pmt function to calculate monthly payment.  Notice there are 3 arguments separated by 2 commas.  B3 is the rate 6%.  B4 is a loan of 180 months, and the loan of $200,000.  Since it's a loan we use -B5. 
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5 points extra credit to the first 3 people who can upload a screen capture of your excel spreadsheet to show the answer to the question: 

You are buying a house. 
Case 1:  interest rate = 5%, loan = 360 months, principle =200,000 
Case 2:  interest rate = 4%, loan = 360 months, principle =200,000 with an upfront fee of $2500 to bring interest rate to 4%.

Which is the better deal.  Show it and tell why.
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