You have recently been employed by a firm for a period of one year. The firm has given you the option of receiving your salary as a lump sum value of $30,000 at the end of the year or as 12 monthly payments of $2,400 beginning one month after you start work. If your relevant discount rate is 2 percent per month, then which salary options would you prefer? (Ignore taxes, risk, and spending needs.) a. The lump sum payment, since it has the larger future value. b. Monthly payments, since you do not have to wait so long to receive your money. c. Either one, since they have the same present value. d. The lump sum payment, since it has the larger present value. e. Monthly payments, since it has the larger present value. Please DO NOT guess!!! And explain why