Carol Thomas will pay out $15,000 at the end of the year 2, $17,000 at the end of year 3, and receive $19,000 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?

A) ($15,093) B)(23,526) C)(35,173) D)(11,879)