A famous quarterback just signed a $$12\mathrm{.}8$ million contract providing $$3\mathrm{.}2$ million a year for $4$ years. A less famous receiver signed a $$8\mathrm{.}6$ million $4-$year contract providing $$3$ million now and $$2\mathrm{.}5$ million a year for $4$ years. The interest rate is $9\%.$