You have been offered a consulting opportunity that will pay $33,000, $35,000, and $48,000 over the next three years, respectively. The offer also includes a retainer of $5,000, payable immediately. What is this opportunity worth to you today if your discount rate is 7.9 percent?

a. $97,341
b. $148,492
c. $150,721
d. $112,507
e. $103,856