(12 points) You have just joined an investment banking firm and you are offered tw different salary arrangements. You can have $89,000 per year for the next three years, OR you can have $70,000 per year for the next three years, along with a $50,000 signing bonus today. The bonus is paid immediately, and the salary is paid at the end of each year. If the market interest rate is 4 percent, which do you prefer? (Needs numerical proof)