Reginald's dad offers to give him one of the following two options: a cash gift of $30.000, $100,000. The loan is repaid in five equal annual payments over the subsequent fee years bene opportunity cost of funds is 3.5%. In present value terms, which option is beter for Regie is it? The loan, by $37.249.32 The cash gift, by $9.698.95 The cash gift, by $54,670.46 The loan, by $45,150.52