Youve just joined the investment banking firm of Dewey, Cheatum, and Howe. Theyve offered you two different salary arrangements. You can have $76,000 per year for the next two years, or you can have $65,000 per year for the next two years, along with a $21,000 signing bonus today. The bonus is paid immediately, and the salary is paid in equal amounts at the end of each month.