Inere are two financial products. A will offer $$120,000$ in five years. B will offer $$5000$ every quarter from now for five years $(20$ payments total$).$ Assuming quarterly compounding and your required return is $10\%.$ Which product should you invest today?

What is the present value of product $A?$

What is the present value of product $B?$

Which product is more valuable today, $A$ or $B?$