A debtor offers to repay a debt by making a payment of $$650$ one year from today, $$3,900$ three years from today, and $$5,200$ four years from today. The lending agency would rather receive the money in $4$ equal end of year payments. Assuming a TVOM of $6\%,$ which Excel$$ entry should you use to find how much the debtor would need to pay to make these cash flows equivalent

$=$PMT$(6\%,4,-8007)$

$=$NPV$(6\%,4,-8007)$

$=$PMT$(4\%,6,-650)$

$=$NPV$(6\%,500,3000,4000)$