Your girlfriend just won the Florida lottery. She has the choice of $$13,250,000$ today or a $20-$year annuity of $$1,225,000,$ with the first payment coming one year from today. What rate of return is built into the annuity?

a$.7\mathrm{.}70\%$

b$.6\mathrm{.}40\%$

c$.6\mathrm{.}73\%$

d$.12\mathrm{.}64\%$

e$.9\mathrm{.}25\%$