23. Let us say you won a lottery and have two options. Option 1: Accept payment of $30,000 for 30 years. That is, you will be paid $30,000 at the end of ever year for the next 30 years. Option 2: Accept a lum-sum payment of 500,000. If you were to accept option 1 , assume that can invest the cash and get a rate of 5%. Should you accept option 1 or option 2? Do the calculation necessary (show all steps) and explain your reasoning