McScrooge tells you he can earn $5\mathrm{.}28\%$ annual interest, compounded monthly on his money. You have no reason to question his assumption. For each option, determine the present value of all relevant cash flows for $0\mathrm{.}8$ points each and then provide your final answer for $0\mathrm{.}8$ points $($total of $4$ points for this problem$).$a$.$ Option $1.$ Pay $$40,000$ today.b$.$ Option $2.$ Pay a lump sum of $$44,250$ at the end of two years.c$.$ Option $3.$ Pay $$1,730$ at the end of each month for two years.d$.$ Option $4.$ Pay $$6,750$ immediately plus $$37,000$ in a lump sum two years from nowe. Which option do you recommend, and why?