18. An investor wants to receive $10,000 annually for ten years with the first payment five years from today. If the investor can earn a 14% annual return, the amount that she will have today is closest to: * O A. $27,091. B. $30,884. O C. $52,161. O D. $40,000 O E. None of the above. 19. Five years ago, an investor borrowed $5,000 from a financial institution that charged a 6% annual interest rate, and he immediately took his family to live in Nepal. He made no payments during the time he was away. When he returned, he agreed to repay the original loan plus the accrued interest by making five end- of-year payments starting one year after he returned. If the interest rate on the loan is held constant at 6% per year, what annual payment must the investor make in order to retire the loan?* O A. $1,338.23 B. $1,588.45. O C. $1,638.23 O D. Cannot be determined. O E. None of the above