4. You won the New York Get Rich Quick Lottery, and you must decide if A) You take the lump sum of $25 million now or B) a payment of $2,000,000 per year for 20 years. a. If you can reliably earn 3% per year, which option is better? b. If you can reliably earn 6% per year, which option is better? 5. An APR reflects interest only; but an EAR includes interest