"You expect to receive $1,000 payments every year for 4 years followed by 2 additional payments of $4,000 in years 5 and 6. What is the value of all these payments today if the interest rate is 4%?"

a. "$14,169 " b. "$12,133 " c."$10,079 " d."$13,368 " e."$11,729 "