Below is a table for the present value of $1 at Compound interest. Year 6% 10% 12% 0.943 0.909 0.893 0.890 0.826 0.797 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% 0.943 0.909 0.893 1.833 1.736 1.690 2.673 2.487 2.402 3.465 3.170 3.037 4.212 3.791 3.605 Using the tables above, what would be the present value of $41,000 (rounded to the nearest dollar) to be received 3 years from today, assuming an earnings rate of 6%? a. $34,440 b. $109,593 c. $51,430 d. $41,000