Hi please help me with this and thanks

1) Suppose you just won the state lottery and you had a choice between receiving $3,6000,000 today or 20 year annuity of $250,000. with the first payment coming one year from today. What rate of retune is build into annuity?

Billy Thornton borrowed $155,000 at rate of 7.25%, simple interest. with interest paid at the end of each month. The bank uses a 360 -day. How much interest would billyy have to pay in 30 -day month