Tom wants to buy a vacant lot in a new development in North Georgia. He can pay $45,000 cash today or choose between two payment plans. Question 12 (2.5 points) Plan A: $490 per month for 10 years with the first payment made exactly one month from today. Plan B: $4,000 down payment made today and $460 per month for 10 years with the first $460 payment made exactly one month from today. All else constant, assuming an interest rate of 6% p.a., which of the following options should Tom choose? OPayment Plan A O Payment Plan B OPay $45.000 cash now CAll three options are the same ONot enough information