Your insurance agent suggests that he has a deal for you. He says that if you give him $$3,687\mathrm{.}04$ today, that it will be worth $$10,000$ in $15$ years, if you make yearly payments of $$50$ are achieve a $6\%$ rate of growth. What is the current value of the future $$10,000$ sum called?

Group of answer choices

future value

compounded value

present value

discounted value

adjusted value