Question 4 (3 points) (Estimated time allowance: 7 minutes) What is the present value of an annuity due cash flow of $3,000 per year for forty years at an interest rate of 6.0% per year? **Use 4 digits in your calculations and 2 digits in your answer. 1) $45,138.90 2) $492,143.16 3) $120,000.00 4) $464,286.00 5) $47,847.23 6) $44,847.30