Suppose you won the lottery. you have a choice between taking an immediate lump sum payment of $500,000, or annual payments of $40,000 for 20 years. Choose a discount rate (use a Whole number percentage based on the estimate of the average rate of inflation over the 20-year payout time) and then make the calculation to which option would have a greater present value. use MS Excel table tool to make calculations and show all your work.