Lou Meng Hui has just won the lottery! He has two options to receive the lottery winnings. Option 1 is that he would receive $20,000 forever. Even better, this payment will grow at 4% per year into perpetuity. Sadly however, this payment won't begin until 5 years from today. Option 2 is that he would receive $300,000 forever. This payment will grow at 1% per year into perpetuity. Sadly however, this payment won't begin until 25 years from today. If he assumes a discount rate of 7% and he is indifferent as to when payments actually begin, which should he chose as of today and why?