Susan wins a state lottery of $4 million. She will be paid $400,000 at the beginning of every year for the next 10 years. In order to calculate the value of the lottery today, she should O multiply $400,000 by the future value of annuity due of 1 factor. O multiply $400,000 by the future value of 1 factor O multiply $400,000 by the present value of 1 factor. multiply $400,000 by the present value of annuity due of 1 factor