A note for $20,000 dated June 1, 1991, is due in 3 years with compound interest at 13.5% compounded semiannually. On December 1, 1992, the holder of the note has it discounted by a lender who charges 15% compounded semiannually. What are the proceeds? O $25,823.85 O $24,823.85 O $26,823.85 $23,823.85