CONGRATULATIONS! Youve won the lottery (OK its a Quiz question not reality!). You are given the choice of 4 equal annual payments of $100000 each for the next 4 years (paid out at the end of each year) or one lump-sum payment of $350,000 today. Which one would you choose? (Assume that the payout will continue to your estate no matter what happens to you, and the first $100K payout is one year from today if you choose the installment payout with each subsequent payout being one year later). The discount rate is 4%.?