Following negotiations, your union leader informed you that management had offered an increase of 6% to your pay (which is presently $50,000 per year), but it would be a three-year deferred wage increase. Would it be better for you to have even distribution of this wage increase (6%) over the 3 years or front-end loading of 3,2,1 if you want the option resulting in more money What would the difference be between the return for the two options