PT ABC and PT CDE are competing educational technology companies. Lala, a content creator, received two offers from the two companies to become their brand ambassador. 1. PT ABC offers a three-year contract in which Lala will receive $2,000 per year for three years, each of which will be paid at the end of the year. 2. PT CDE offers a three-year contract in which Lala will receive a $500 bonus when contract signed (paid on the spot), $1000 set at the end of the year first, and $1500 used in the second year, and $3100 used in third year. Lala can only choose one of the offers above because there is a clause in the contract that he must not enter into a relationship with a competing company. If the interest rate of 12%, then which offer should Lala accept? Explain.