A lottery winner was offered a payment of $31,500 for 30 years or a lump-sum payment of 500.000. She could invest the cash flows at 5.5 percent. What should she do? She should take the lump-sum because its value is less than the annuity She should take the lump sum because it is greater than $457,813 She should take the annuity because it is valued at $457.813 She should take the annuity because it is valued at $500,00