Carol Thomas will pay out $10,000 at the end of the year 2, $12,000 at the end of year 3, and receive $14,000 at the end of year 4. With an interest rate of 13 percent, what is the net value of the payments vs. receipts in today's dollars? Use Appendix B to calculate the answer. Multiple Choice ($10,778) ($16,146) ($24,728)