4. (Chapter 21) You are 65 years old and have a retirement savings account with $3 million. You approach an insurance company about the possibility of exchanging your lump sum for an annuity payout and the insurance company offers you two choices: (1) A fixed annuity of $22,000 per month for 300 months (2) A lifetime annuity of $22,000 per month until you die What criteria would you use to decide between the two choices