Mary Alice just won the lottery and is trying to decide between the options of receiving the annual cash flow payment option of $270,000 per year for 20 years beginning today, or receiving one lump-sum amount today. Mary Alice can earn 4% investing this money. At what lump-sum payment amount would she be indifferent between the two alternatives? (FV of $1, PV of $1, FVA of $1, PVA of $1, FVAD of $1 and PVAD of $1) (Use appropriate factor(s) from the tables provided.) Multiple Choice $5,400,000 $3,669,389 $4,086,164 $3,816,164