How are exercises 18.1 and 18.2 different? How are your answers to them different?

Exercises 18.1

You will receive a $10,000 insurance payment in two months. If you are willing to pay for expedited handling, you can be paid in one month. Would you be willing to pay $50? $100? $200? More?

Exercises 18.2

You will receive a $20,000 insurance payment in 12 months. If you are willing to accept a reduced payment, you can be paid in 11 months. Would you be willing to accept $19,800? $19,500? $19,000? Less?