You and eleven (11) coworkers have just won $12 Million ($1 Million each) from the state lottery. Assuming that you each receive your share over 20 years and that the state lottery earns a 4% return on its funds: 1. What is the present value of your (personally) prize before taxes, if you (personally) request the "up-front cash" option? 2. What is the present Value of all of your prize before taxes, if all of you request the "up-front cash" option? er Show the formula you are using and your calculations