For winners of the California SuperLotto Plus, the choice is between a lump sum and annual payments that increase from 2.5% for the first year, 2.7% on the send year, then increase by 0.1% a year to 5.1% for the 26^th payment. The lump sum is equal to the net proceeds of bonds purchased to fund the 26 payments This is estimated at 45% to 55% of the lump sum amount. At what interest rate is the present worth of the 2 payment plans equivalent if the lump sum payment is 45% If it is 55%?