Layne currently earns $$40,000$ as an unskilled laborer and is planning to work $3$ more years before retirement. He has discovered that if he goes to school full$-$time $($he can$$t work and attend school simultaneously$)$ for $1$ year to complete a certi$$cation program, he can return to work and earn $$65,000$ per year. The cost of the certi$$cation program is $$3,000,$ and the current interest rate is $4\%.$ What is the present value of each option? Would the certi$$cation program be a good investment for Layne?