Siena has just won the top prize of $5,200 in her presentation of a competitive stem cell related proposal at the University of Ottawa. She has been offered the following two options to receive her prize: Either receive $5,200 today, OR annual year-end payments of $2,000 over the next 3 years Which option should Siena take if the market interest rate is 10%? a) Receive the lumpsum amount b) Receive the annual payment