You are investing $28,000 today and in return you will receive $10,000 in a year and $X in 2 years and $15,000 in 3 years. If the interest rate is 10% per year then what it minimum value of $X that you will accept.

1. $11,245

2. $12,512

3. $9,243

4. $12,253

5. $7,639