Your aunt offers you a choice of $22,000 in 20 years or $820 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 $22,000 ? (Do not round intermediate calculations. Round your final answer to 2 decimal places.) a-2. Which offer should you choose? $22.000 in 20 years $820 today