please show all work :)

You just received an insurance settlement offer related to an accident you had four years ago. The offer gives you a choice of one of the following two offers: Option A: $5,500 on the first day of each year for 25 years Option B: $75,000 as a lump sum payment today You can earn 6.50 percent on your investments. Which option should you choose? Why? How would your answer change if any if interest rates are expected to decrease over the next few years? Explain your answer using the appropriate equations. Your explanation determines your grade. Show all your work and relevant equations