You have won a lawsuit and your settlement will pay you $30,000 a year, forever. But the payments will not start until 6 years from now. If the discount rate is 10%, which of the following is closest to the value of this settlement today? O $300,000 $210.765 $278.936 O $186,276 An insurance company is offering a product that promises to pay you $2,000 today, $1,000 next year, and $5,000 the following year. If the discount rate is 5%, which of the following is closest to the value of this product today? $4,618 $7.488 $6,618 $5,488