Option A Option B Decision (Today) (In two years) Decision 1 $49 today $50 in two years Decision 2 $47 today $50 in two years Decision 3 $44 today $50 in two years Decision 4 $40 today $50 in two years Decision 5 $35 today $50 in two years Decision 6 $29 today $50 in two years Decision 7 $12 today $50 in two years In the table of choices above, if a person chooses option A in the first 5 rows, and option B in the next 2 rows, what appears to be his/her annual discount factor? 0.94