Suppose you just won the state lottery, and you have a choice between receiving $2,700,000 today or a 20-year annuity of $255,000, with the first payment coming one year from today. Assuming both choices have the same present value, what rate of return is built into the annuity? Disregard taxes.

		5.92%
		6.44%
		6.75%
		7.01%
		7.77%