You are bored during your spring break and decide to analyze a sweepstakes prize. The 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 these winnings to you? $38,968.98 O $20,505.25 $29,507.03 $23,673.54 $23,614.51