23. Many people have reliable source of future income such as a structured settlement from a lawsuit. JG Wentworth is a company that lets people trade that future income for a lump sum of cash today. Suppose your friend Steve has a structured settlement where he will get $15,000 in two years (2024) and $30,000 in six years (2028). He sees this commercial for people who \"need cash now\" and the company offers him $24,312 today for in exchange for his settlement payments. He asks you for advice and you say \"don't accept the settlement because the present value is than $24,312 as long as you use a discount rate below 96." a. more; 10% b. less; 10% c. more; 15% d. less; 15%