You won the lottery! It is worth $40 million. The lottery commission gives you two payment options they will pay you $25 million today; or $4 million per year for the next 10 years. If the appropriate discount rate is 5%, then which option is more valuable in today's dollars? [Note, you can do the calculation using 4 instead of 4,000,000, then simply express your answer as 'X millions.") For the toolbar, press ALT+F10 (PC) or ALT+FN-F10 (Mac)