will upvote, thanks!

A lottery winner was offered a payment of $32,800 for 24 years or a lum-sum payment of 500,000 . She could invest the cash flows at 3.8 percent. What should she do? (Round to the nearest dollar.) She should take the lump-sum because it is valued at $500,000. She should take the lump-sum because its value is more 450,000 She should take the annuity because it is valued at $510,500 She should take the annuity because it is valued at $500,000