Present value (with changing interest rates). Marty has been offered an injury settlement of $10,000 payable in 5 years. He wants to know what the present value of the injury settlement is if his opportunity cost is 3.5%. (The opportunity cost is the interest rate in this problem.) What if the opportunity cost is 8% ? What if it is 11.5% ? If Marty's opportunity cost is 3.5%, what is the present value of the injury settlement