You have $10,000 to invest and are considering three one-year risk-free investment options. (1) Invest up to $10,000 in a U.S. Treasury Bill that yields 2 percent; (2) Invest in a project that costs $6,000 and returns $6,100 in one year; (3) Invest in a project that costs $4,000 and returns $4,100 in one year. How should the $10,000 investment be allocated, if the goal is to maximize return or value? Why