Your aunt is about to retire. Her firm, Nyugdij, has given her two options from which to choose. She is asking for your advice. Her choices are a lump sum of $675,000 now or an annuity of $3000 per month for 25 years. Which one should she choose, if she can earn 3.2% elsewhere? Please calculate to 2 decimals. Show work. Just one-two word answer will earn 0 points. Using factors will also earn 0 points