Your tenant, Sandra, has just signed a one-year lease to rent the apartment from you at $850 per month, payable at the end of each month. However, you are short of cash and offer to accept a single payment now from Sandra of only $8,500. Sandra has been saving her money carefully for some time now, and has a large bank balance of more than $15,000, so has the money available to make the single payment now. If Sandra believes she can earn interest at a rate of 2% per month, should she take your offer, or not?