Today is January 1,2022 . Roy will use a single premium to purchase an annuity today. This annuity pays $10,000 at the end of each year while Roy is alive. The estimated probability of Roy surviving for the next 4 years is stated in following table. The yield rate is assumed to be j1= 4.31% p.a. Calculate the premium value. Round your answer to three decimal places. a. $19576.169 b. $16872.542 c. $19704.334 d. $21300.000