Kris Will Receive $800 a Month for the Next 5

Kris will receive $800 a month for the next 5 years from an insurance settlement. The interest rate is 4 percent, compounded monthly, for the first 2 years and 5 percent, compounded monthly, for the final 3 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