5. (10 points) You have won the $1.2 million lottery and need to decide between the following options, I Receive a lump sum of $400,000 today, II Receive $40,000 per year for 30 years beginning at the end of this year. If the relevant discount rate is 10%, which option do you choose? 6. (10 points) You are going to receive $100 after one month, $110 after two months, $121 after three and four months, $133.1 after five months, $146.41 from month seven to month thirty. What is the present value of all these future cash inflows if the discount rate is 3%