Below is a table for the present value of $1 at Compound interest. Year 6% 0.943 0.890 0.840 0.792 0.747 10% 0.909 0.826 0.751 0.683 0.621 12% 0.893 0.797 0.712 0.636 0.567 Below is a table for the present value of an annuity of $1 at compound interest. Year 10% 0.909 1.736 2.487 3.170 3.791 12% 0.893 1.690 2.402 3.037 3.605 6% 0.943 1.833 2.673 3.465 4.212 Using the tables above, what would be the present value of $66,000 (rounded to the nearest dollar) to be received 3 years from today, assuming an earnings rate of 6%? @ $82,790 b. $176,418 $55,440 d. $66,000