Your friend offers to give you $450 in 20 years, $320 in 10 years, or $217 today. Assuming a 4% market rate of return which would you choose? (circle one) $450 in 20 years $320 in 10 years $217 today What if the market rate of return is 2%: $450 in 20 years $217 today $320 in 10 years $320 in 10 years $217 today What if the market rate of return is 7%: $450 in 20 years