The prize in last week's Florida lottery was estimated to be worth $40 million. If you were lucky enough to win, the state will pay you $2 million per year over the next 20 years. Assume that the first installment is received immediately. If interest rates are 7.5%, how much is this prize worth now? Select one: a. $20,535,440 b. $24,316,233 c. $22,671,190 d. $21,918,156 e. $19,969,488