As winner of a breakfast cereal competition, you can choose one of the following prizes: 1) $100,000 now. 2) $180,000 at the end of five years 3) S11,400 a year forever. 4) $19,000 for each of 10 years. 5) S6,500 next year and increasing thereafter by 5% a year forever. lf the interest rate is 12%, which is the most valuable prize