As the winner of a song writing competition, you can choose

between the prizes listed below. If the interest rate is $5\mathrm{.}65$

percent, which prize is the most valuable?$$130,000$ now.$$165,000$ at the end of $4$years$.$$$18,500$ each year for $10$years$.$$$8,000$ a year forever.$$5,000$ next year and increasing by $2\mathrm{.}5$ percent a year

forever.