A professional sports contract offers $115,000 paid now, $215,000 paid at the end of each of the second and third years, and $800,000 paid at the end of the fourth, fifth, and sixth years (Alternative 1). Alternatively, the contract could offer $460,000 per year paid at the end of each of the six years (Alternative 2). If money is worth 6.4%, which offer is preferable for the athlete