$1.$ Marco pays Juanita a $$12$ fee, and in exchange, Marco can $($if he wants to$)$ buy $100$ shares from Juanita at $$37/$share anytime in the next six months. This is an example of a $\_\_\_\_\_\_\_\_\_\_\_\_\_.$

$2.$ What is the present value of $$3726$ if you will receive it in $2\mathrm{.}9$ and the discount rate is $5\mathrm{.}31\%?$

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