3) Congratulations, you have just won the lottery! The lottery company lets you choose how you want to be paid. Given that the discount rate is 4% APR, indicate which the following options is the most beneficial for you: a) 1,000,000 today; b) 3,333 every month, forever. The first payment will be made one month from today; PV=FC=83 c) 20,750, every 6 months, starting today, forever; d) You receive yearly payments for the coming twenty-five years. You receive 100,000 one year from today. Subsequently, you'll be paid 2% more than you were paid the year before