You have the choice of receiving $70,000 now or $32,000 now and another $49,000 five years from now. In terms of today's dollar, which choice is better and by how much? Money is worth 4.5% compounded annually. Which choice is better? A. The choice of $70,000 now is better. B. The choice of $32,000 now and $49,000 in five years is better. C. They are equal in value. The better choice is greater than the alternative choice by $ in terms of today's dollar. (Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places as needed.)