Graciela Treadwell won a lottery. She will have a choice of receiving $25,000 at the end of each year for the next 30 years, or a lump sum today. If she can earn a return of 12 percent on any investment she makes, what is the least she should be willing to accept today as a lump-sum payment?

Group of answer choices

$201,380

$235,700

$750,000

$212,400