5) Your brother has just graduated from high school and is seeking your advice as to whether he should find a job immediately or go to college for four years and then find a job. He estimates that if he gets a job immediately, be will earn $15,000 per year for the next 40 years. If he goes to college first, be estimated that he can earn $30,000 for each of the 36 years after he gets out. (Whether he goes to college or not, he plans to retire 40 years from today.) Assume that his time value of money is 14% and that all cash ows are ordinary annuities. (If he goes to college first, he can borrow money at 14% too) a) What will be the present value of his cash ows if he gets a job immediately? b) What will be the present value of his cash flows if he goes to college first? c) What should he do