Gweneth won the lottery. To receive her winnings, the lottery is offering her two choices: an annuity of $2.5 million per year for the next 25 years, or a single payment of $25 million right now. If Gweneth expects to earn 4.3% annual interest on her investments, which option is better and by how much in present value terms? The annuity, by $12.85 million The annuity, by $83.42 million The single payment, by $29.12 million The single payment, by $36.80 million The annuity, by $37.50 million