18. A. When a lottery prize is offered as $10 million but will pay out a series of $250,000 annual payments spread over forty years, is it really a $10 million lottery prize? Answer and also explain how you would compute the actual prize value today. B. If the lottery offered an upfront prize of $5 million or the series of 40 annual payments of $250,000, and assuming you can currently earn 4% on your fixed rate investments, which payment