You are hurt in a car accident and your lawyer wins a $100,000 settlement to be distributed as follows: $20,000 immediate payment $5,000 a year for ten years $30,000 after ten years. If the lawyer's fee is $10,000, what is the value of this settlement if the interest rate is 6 percent? Your brother, who is prone to bearing substantial risk, suggests that you buy a security for $10.000 that promises to pay you $100,000 at the end of 15 years. What is the implied annual return or yield on this investment?