An Investment Pays You $20 000 at the End of This

An investment pays you $20 000 at the end of this year, and $10 000 at the end of each of the four following years. What is the present value (PV) of this investment, given that the interest rate is 4% per year?

A) $54 134
B) $42 150
C) $58 614
D) $45 913