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need help please Maria expects to receive a payment of $36,000 in 3 years. At a discount rate of 8%, what is the present value

need help please
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Maria expects to receive a payment of $36,000 in 3 years. At a discount rate of 8%, what is the present value of this payment? $23,478.23$27,586.23$36,000$28,577.96

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