14. You just won a lottery. There are two payout options for you: the 1st option will make a lump- sum payment of $600,000 today. The 2nd option will pay $40,000 every year, starting from next year until forever. The bank's interest rate is 5%. What's the NPV of choosing the 2nd option over the 1st option? Hint: the value of the 1st option should be considered as opportunity costs. O $800,000 $400,000 O $200,000 The NPV is an infinite value since you'll receive an infinite amount of payments in future