(a) Kimberly has just won a $20 million lottery, which will pay her $1 million at the end of each year for 20 years. An investor has offered her $10 million for this annuity. She estimates that she can earn 10 per cent interest, compounded annually, on any amounts she invests. She asks for your advice on whether to accept or reject the offer. (b) Mr. Craftman has been awarded an incentive for his outstanding work. His employer offers him a choice of a lump sum of $5,000 today, or an annuity of $1,250 a year for the next five years. Which option should Mc Handyman choose if his opportunity cost is 9 percent