As a wedding present, your parents have offered to buy you a $90,000 modest but modern, energy efficient house on your 5th anniversary. As an alternative, they have offerred to give you $50,000 in cash right now. If you take the $50,000 you can put it in a fixed rate CD and earn 10% interest. Which gift should you choose (assuming the value of the house will be its $90,000 purchase price on your 5th anniversary).