You see a commercial for G.J. Worthwent and they are offering to give you cash now for your structured settlement. You remember that you do have an annuity that is paying you $500 a month ($6,000 per year) that you had been using for your child's education expenses. Now that your young one has graduated, you really do not need the monthly check anymore but would like to buy them a graduation present and need cash now so you call G.J. Worthwent and see what they will offer you. After asking you a bunch of questions, they say they can wire you the amount of $10,000 now. Assuming you have three years left and that inflation is a modest 3%, does this seem like a fair offer to you? Show calculations for full credit.