Below is a table for the present value of $1 at Compound interest. Year 6% 12% 0.943 10% 0.909 0.826 0.893 0.797 0.890 0.840 0.751 0.712 0.792 0.683 0.636 0.747 0.621 0.567 Below is a table for the present value of an annuity of $1 at compound interest. Year 6% 10% 12% 0.909 1.736 0.943 1.833 2.673 3.465 4.212 0.893 1.690 2.402 3.037 2.487 3.170 3.791 3.605 Using the tables above, what would be the present value of $19,138 (rounded to the nearest dollar) to be received 4 years from today, assuming an earnings rate of 10%? Oa. $15,157 Ob. $13,071 Oc. $19,138 Od. $60,667