Your brother has offered to give you either $12,000 today or $20,000 in 13 years. If the interest rate is 9% per year, which option is preferable? O A. Take the future amount because its present value is greated than the present amount offered B. Take the present amount offered because it is greater than the present value of the future amount O C. Take the present amount offered because it is less than the future amount D. Take the future amount because the larger amount is always worth more no matter when you receive it