Using the following table, what is the present value of $40,000 to be received in 5 years, if the market rate is 7% compounded annually? 
Definitions:
Agreeableness
A personality dimension that reflects the extent to which an individual is cooperative, kind, and compassionate toward others.
Open-Mindedness
A willingness to consider new ideas, perspectives, and possibilities without prejudice.
Curiosity
A desire to learn or know about anything; inquisitiveness, often seen as a driving force of learning and discovery.
Creativity
The ability to generate novel and valuable ideas or solutions.
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