You are the beneficiary of a$$ $$200,000$ life insurance policy that has both a lump$-$sum option and an annuity option. The annuity option pays$$ $$20,000$ per year for a $15$ year period beginning at the end of the year. Using your financial calculator or the tables in the$$ book, determine the minimum rate of return you must be assured of earning over the $15$ year period if you were to choose the$$ $$200,000$ lump$-$sum settlement