(Learning Outcome 8) Lara will receive $10,000 a year from her insurer at the end of each of the next five years to meet her education cost. Using a discount rate of 14%, the present value (PV) of the receipts can be stated as: PV $10,000 (FV factor, i 14%, n = 5). PV $10,000 (Annuity PV factor, i= 14%, n = 5). PV $10,000 (PV factor, i 14%, n = 5). PV $10,000 (Annuity FV (future-value) factor, i= 14%, n = 5)