A local government is about to run a lottery, but does not want to be involved in the payoff if a winner picks an annuity payoff. The government contracts with a trust to pay the lump-sum payout to the trust and have the trust (probably a local bank) pay the annual payments. The first winner of the lottery chooses the annuity and will receive $180 comma 000 a year for the next 30 years. The local government will give the trust $2 comma 000 comma 000 to pay for this annuity. What investment rate must the trust earn to break even on this arrangement?