You are the winner of "The HotTaco Contest" , and are given the following choices as compensation. If the interest rate is 12%, which one of the following would you take. $100,000 now, $180,000 at the end of 5 years, $19,000 for each of the next 10 years, starting next year, $11,400 a year forever, staring next year, $6,500 next year and increasing thereafter by 5% per year forever, $20,000 a year forever with the first payment received at the end of 5 years.