You are trying to decide which option is more valuable right now, $10,000 received at the end of 6 years, or $7,000 received at the end of 2 years. If you need to earn a return of 12% on your money, which of these two investments would be worth more now? A) $10,000 received at the end of 6 years B) $7,000 received at the end of 2 years