A lottery winner was given a choice between a perpetual payment, staring in one year, of $25,000 per year, and a lump sum today of $300,000. If she could invest the cash flows at 6.5 percent, what is the present value of a lottery and what should she do? (Round to the nearest dollar.) $285,714, take the lottery O $384.615, take the lump sum $285,714, take the lump sum $384,615, take the lottery