Suppose you have just won the first prize in a lottery. The lottery offers you two possibilities for receiving your prize. The first possibility is to receive a payment of $16,000 at the end of the year, and then, for the next 10 years this payment will be repeated, but it will grow at a rate of 4%. The interest rate is 12% during the entire period. The second possibility is to receive $100,000 right now. Which of the two possibilities would you take?