Congratulations! You have just won the VeryLittleChance Sweepstakes! Sweepstakes spokesman S.C. Roodge has indicated that you have the choice of receiving $12,000 a year for the next 20 years with the first payment to be provided in one year or alternatively, a one-time payment today of $90,000 in cash. If you believe that your opportunity cost or return is 11%, based on the concept of time value, which should you choose?