Your aunt offers you a choice of $21,700 in 20 years or $810 today. Use Appendix B as an approximate answer, but calculate your final answer using the formula and financial calculator methods. a-1. If money is discounted at 18 percent, what is the present value of the $21,700 ? (Do not round intermediate calculations. Round your final answer to 2 decimal places.) Answer is complete but not entirely correct. a-2. Which offer should you choose? $21,700 in 20 years $810 today