Today you won a small sweepstakes prize. Your winnings will be split into 12 monthly payments of $2,000 starting from today. If the annual rate of return you can get at your bank is 3% (i.e. monthly return is 3%/12 ). what is the present value of your winnings? $20,505.25$23,614.51$38,968.98$29,507.03$23,673.54