Your sweet Aunt Gertrude has passed away. You just found out that she left you an inheritance. You are offered 2 payment choices: an annual payment in the amount of $15,000 a year for the next 30 years, or a lump sum payment of $395,000 today. If you believe that you can safely invest the money at 4%, which payment option should you choose? a) Annual payments of $25,000 for 30 years b) Lump sum payment of $395,000 today