Your grandfather has promised to give you $1.000 a year at the end of each of the next four years if you earn B's or better in all of your courses each year. Using a discount rate of 4%, which of the following is correct for determining the present value of the gift? PV-51000x Unnuity PV tactori 4%-4) PV $1.000 x 4x4 PV - $1.000x Annuity FV factori - 4.4) P-51.000 x (PV factori - 4%,n4