You have just won a big lottery prize of 5 million (congratulations!). The lottery gives you 4 pay-out options. Which of these options provides you with the highest pay-out given that the discount rate is 4% (APR)? a. 5 million today. 5000,000 b. 1.123 million each year, for the coming 5 years. First payment is made one year from today. 5,600,000 6. 500,000 each year, for the coming 10 years. First payment is made today, but the subsequent payments grow by 2%. The last payment is made at the very beginning of the 11 th year. d. 38,462 each year and grows at 3.2% for ever. First payment starting today