You are considering investing in a security that will pay you $$5,000$ in $28$ years. a$)$ If the appropriate discount rate is $9$ percent, what is the present value of this investment? b$)$ Assume these investments sell for $$2,674$ in return for which you receive $$5,000$ in $28$ years. what is the rate of return investors earn on this investment if they buy it for $$2,674?$