Below is a table for the present value of $1 at Compound interest.

Year6%10%12%10.9430.9090.89320.8900.8260.79730.8400.7510.71240.7920.6830.63650.7470.6210.567

Below is a table for the present value of an annuity of $1 at compound interest.

Year6%10%12%10.9430.9090.89321.8331.7361.69032.6732.4872.40243.4653.1703.03754.2123.7913.605

Using the tables above, what would be the present value of $13,989 (rounded to the nearest dollar) to be received four years from today, assuming an earnings rate of 10%?

a.$13,989

b.$44,345

c.$9,554

d.$11,079