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Question 3 10 pts The winner of a sweepstakes prize is given the choice of one million dollars now or the guaranteed amount of $81,000 a year for 20 years If the value of money is taken at a 12% interest rate, which choice is better for the winner? Please justify your answer using economic analysis HTMLE BIUA A - IE E 3 xEE YDTT12pt Paragraph Question 4 10pts Using a credit card, Ben Spendthrift has just purchased a new stereo system for $975 and will be making payments of $45 per month If the interest rate is 18% compounded monthly, how long will take to completely pay off the stereo? (round your answer appropriately)