Kris Will Receive $800 a Month for the Next Five

Kris will receive $800 a month for the next five years from an insurance settlement.The interest rate is 4 percent,compounded monthly,for the first two years and 5 percent,compounded monthly,for the final three years.What is this settlement worth to him today?

A) $36,003.18
B) $38,219.97
C) $41,388.71
D) $43,066.22
E) $45,115.16