4. Suppose you plan to pay for a billboard ad for your coffee shop that you expect to generate additional net cash flow (after the cost of the ad and after taxes) of $1000 per month. For a three-year contract, you would be required to pay $20,000 up front. A five-year contract would require $25,000 up front. Both contracts are renewable. If you have a required return of 20%, which contract would you choose?