You won the lottery! Suppose that I offer you a choice of three payout schemes. The first pays $25,000,000 two years from today. The second pays you an annuity of $2,500,000 per year for 10 payments with the first payment coming today followed by an annuity of $1,000,000 per year for 5 years with the first payment coming at time 10. The third payment scheme offers you $800,000 twice a year for 20 years with the first payment coming one six-month period from today. If the interest rate is 5% EAR, which payout plan should you choose? Why