Consider an individual who should pay annual tuition fees of $10,000 for a two-year post-graduate diploma and has to work half his standard working hours for half his pay. His full annual earnings without this diploma are $6000. He expects that his full earnings will become $10,000 after finishing his diploma.Suppose the interest rate is 10%.If this person plans to work for only two years, the net present value of this investment is:(4 marks)

a.zero &shouldn'tinvestc. about - $18,500 & shouldn't invest

b.about -$9267& shouldn'tinvestd.about+ $2415 & should invest