Using the following partial table of present value of $1 at compound interest, determine the present value of $30,000 to be received three years hence, with earnings at the rate of 12% a year: Year 1 2 3 4 6% .943 .890 .840 .792 10% .909 .826 .751 .683 12% .893 .797 .712 .636 O $14,240 $16,800 $21,360 $15,840