please show all your 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 $4\mathrm{.}50$ 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, not just calculator functions.