Reza buys a scratch-off ticket every day and today he hits it big with a OMR 100,000 winning ticket. But when he turns in his ticket, he's informed of the fine print that states the OMR 100,000 is payable in annual instalments of OMR 10,000 per year over the next 10 years. If he wants a lump sum today, he will only get OMR 85,000. If the interest rate is 5%, is it better for Reza to take the ten OMR 10,000 annual instalments or the OMR 85,000 lump sum