You anticipate a bonus of $10,000 from your employer upon completing your master's-degree education. Only to make the problem more interesting, let's assume that this bonus cash flow is to occur five years from today. Suppose that your friend will loan/give you some money today in exchange for you giving your friend the bonus cash flow when you receive it at t=5. Suppose that the rate for any time-value-of-money calculations is 4.00%. What is a fair dollar amount that your friend should loan/give you today in exchange for the future cash flow?