Here is a table for the present value of $1 at compound interest.

Year6%10%12%10.9430.9090.89320.8900.8260.79730.8400.7510.71240.7920.6830.63650.7470.6210.567

Here is a table for the present value of an annuity of $1 at compound interest.

Year6%10%12%10.9430.9090.89321.8331.7361.69032.6732.4872.40243.4653.1703.03754.2123.7913.605

Using the tables above, what would be the present value of $73,000 to be received 3 years from today, assuming an earnings rate of 6%?

a. $195,129

b. $91,571

c. $73,000

d. $61,320