Your friend just won the lottery. She has the choice of $$15,000,000$ today or a $20-$year annuity of $$1,050,000,$ with the first payment coming $1$ year from today. What rate of return is built into the annuity?

a$.3\mathrm{.}10\%$

b$.2\mathrm{.}79\%$

c$.3\mathrm{.}79\%$

d$.3\mathrm{.}44\%$