Here is a table for the present value of $1 at compound interest. Year 6% 10% 12% 1 0.943 0.909 0.893 2 0.890 0.826 0.797 3 0.840 0.751 0.712 4 5 0.792 0.747 0.683 0.636 0.621 0.567 Here 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 5 4.212 3.170 3.791 3.037 3.605 Using the provided present value tables, what would be the present value of $20,000 to be received 4 years from today, assuming an earnings rate of 10%? Oa. $13,660 Ob. $15,840 Oc. $63,400 Od. $20,000