Following is a table for the present value of $1 at compound interest: Year 6% 10% 12% I 0.943 0.909 0.893 2 0.890 0.826 0.797 3 0.840 0.751 0.712 4 0:792 0.683 0.636 5 0.747 0.621 0.567 Following is a table for the present value of an annuity of $1 at compound interest Year 6% 10% 12% 1 0.943 0.909 0.893 2 1.833 1.736 1.690 3 2.673 2.487 2.402 4 3.465 3.170 3.037 5 4.212 3.791 3.605 Using the tables provided, the present value of $15,569 (rounded to the nearest dollar) to be received 4 years from today, assuming an earnings rate of 10%, is Oa. $12,331 Ob. $49,354 Oc. $15,569 Od. $10,634