Youve just joined the investment-banking firm of Dewey, Cheatum, and Howe. Theyve offered you two different salary arrangements. You can have $75,000 per year for the next two years, or you can have $64,000 per year for the next two years, along with a $20,000 signing bonus today. The bonus is paid immediately, and the salary is paid in equal amounts at the end of each month. If the rate is 10 percent-compounded monthly, which do you prefer?