4. (5 marks) You won a $40,000 lottery and have the option of receiving the money in two different payment streams. The first option pays $2,000 for each of the next twenty years. The second option pays $1,810 in the first year, but increases $20 each year, until the final year where you will receive $2,190. Which option would you select and why? Is there any consideration that you would be indifferent to either option