What is the Net Present value of each of the 2 following retirement annuities and assuming a return of 10%, which annuity would you choose and why? Would increasing the return have any bearing on your answer? Show your work. (5 Pts.) Year 1 Year 2 Year 3 Year 4 Annuity 1 10,000 80,000 45,000 60,000 Annuity 2 80,000 40,000 40,000 40,000