Your truck has a market value of $54,200. You can sell it to your brother, who agreed to buy it now and pay $69,900 three years from now, or you can sell it to your cousin who agreed to pay you $59,100 at the end of the year. To whom should you sell the truck if your cost of capital is 8 percent? (Round answers to 2 decimal places, e.g. 25.25.)