You just won the lottery and have been offered the oppurtunity to recieve $10000$ every year fir the rest of your life or yoy can rake a lump sum payment of $400000$ What disxount rate is the lottery using to come up with that lump sum payout?

$1\mathrm{.}0\%$

$1\mathrm{.}5\%$

$2\%$

$2\mathrm{.}5\%$