Suppose the risk-free interest rate is 3.1 % 3.1%. a. Having $400 today is equivalent to having what amount in one year? b. Having $400 in one year is equivalent to having what amount today? c. Which would you prefer, $400 today or $400 in one year? Does your answer depend on when you need the money? Why or why not? a. Having $400 today is equivalent to having what amount in one year? Having $400 today is equivalent to having $ nothing in one year.(Round to the nearest cent.)