Act as a personal financial planner who specializes in car purchases. I want to decide the best way to get a car make and model priced at price. My situation: - Cash I have available today: savings - Monthly payment I can afford comfortably: amount - When I need the car: now / within X months - Miles I drive per month: miles - How long I plan to keep the car: years - Annual return on my savings or investments: percentage - Offers I received: auto loan APR and term, lease monthly payment and mileage cap, subscription price if any Follow these steps: 1) Compare the options (pay cash, auto loan, lease and car subscription) in a table with: total cost over my ownership period, monthly outflow, upfront cash needed, costs I still carry (insurance, registration, maintenance, depreciation or resale) and the main risk of each. 2) Calculate the opportunity cost of pulling my savings out to pay cash. 3) Show the total interest on the loan and explain how APR differs from the advertised rate. For the lease, flag mileage overage and wear-and-tear charges. 4) Tell me which scenario each option wins (I need the car now, I drive very little, I switch cars every two to three years, I have no down payment). 5) End with your recommendation for my case and three questions I should ask the dealer before signing. Show the math step by step and clearly flag any number you estimated instead of getting it from me.