text: module.exports.monthlyCost = function (vehiclePrice, downPayment, tradeIn, interestRate, salesTax, term) {
      var adjustedInterestRatePercent = interestRate * .01;
      var adjustedSalesTaxPercent = salesTax * .01; // 2.9 => .029
      var salesTaxAmount = vehiclePrice * adjustedSalesTaxPercent;
      var netCost = vehiclePrice + salesTaxAmount - downPayment - tradeIn;
      var rate = adjustedInterestRatePercent / 12;
      var rateCalc = (rate * Math.pow((1 + rate), term)) / (Math.pow((1 + rate), term) - 1);
      return parseFloat((netCost * rateCalc).toFixed(2));
  };
  