What would be more valuable, receiving $81,300 today or receiving $95,000 in 5 years if interest rates are 4.0% and by how much would it be the more valuable alternative?

Receiving S95,000 / $78,083 higher Present Value

Both are worth the same amount

Insufficient data is provided to determine an answer to this question

Receiving S81,300 / $3,217 higher Present Value

Receiving S95,000 / $3,217 higher Present Value

Receiving S81,300 / $78,083 higher Present Value