A woman who has won a prize is offered erther a lump sum of Floo poo'to svest now, or 55,000 to west in one year's time and another 55000 to iwest in tho years' time. Hall inestents are assumed to earn interest at a rate of 7 pa effective , determine which option she should choose if she intends to withdraw the money after (1) 4 years (11) 2 years