XYZ Inc. now has a new investment opportunity to open a new store for their new product in the neighborhood. The store may open today or in exactly one year. The project will cost $3M, whether you open it now or in one year. If they open the store today, it will generate $200,000 in free cash flow for the first year. The free cash flow will grow at a rate of 4.5% per year. If the risk-free (annual) rate is 2% and projects cost of capital is 10%, should XYZ inc. invest now or in a year if the standard deviation of the project is 20%? What is if standard deviation is 30%