Kristy has won a prize. She can accept the amount of $40,000 today or wait 4 years and receive $43,400. She does not know what to do. There are three expected interest rates, compounding monthly, 1.75%, or 2% or 2.25% that economists are predicting for this time period. What should Kristy select, the money today or wait to get the larger prize in 4 years?