You are considering Project B that requires an initial investment of $70. The current present value of its cash flows is estimated to be $100 based on todays market conditions. You can undertake Project B now or wait for one month to decide. The current risk-free rate is 0.25%, and the standard deviation of project return is 10%. What should you do? Suppose instead that the initial investment for Project B is $100, the current present value of its cash flows is $70, the risk-free rate is 1%, and the standard deviation of project return is 20%. What should you do?