Your wealthy neighbor has promised to give you $3,000 a year at the end of each of the next four years to help with college. Using a discount rate of 4%, the present value of the gift can be stated as A. PV = $3,000 x 4% x 5. O B. PV = $3,000 (Annuity FV factor, i = 4%, n = 4). O C. PV = $3,000 (PV factor, i = 2%, n = 4). OD. PV = $3,000 (Annuity PV factor, i = 4%, n = 4)