Much to your surprise, you were selected to appear on the TV show "The Price is Right." As a result of your prowess in identifying how many rolls of toilet paper a typical American family keeps on hand, you win the opportunity to choose one of the following: $1000 today, $5000 in 13 years, or $31000 in 22 years. Assuming that you can earn 12 percent on your money, which should you choose