Your girlfriend just won the Florida lottery. She has the choice of $16,900,000 today or a 20-year annuity of $1,050,000, with the first payment coming one year from today. What rate of return is built into the annuity? Disregard taxes. 2.40% 2.12% 2.16% 1.82% 1.67% What is the present value of the following cash flow stream at a rate of 5.00% ? $407.41 $564.11 $548.44 $522.32 $449.20