Example $1$:

$-$ Suppose you have just won the first prize in a lottery. The lottery offers you two possibilities for receiving your prize. The first possibility is to receive a payment of $$10,000$ at the end of the year, and then, for the next $15$ years this payment will be repeated, but it will grow at a rate of $5\%.$ The interest rate is $12\%$ during the entire period. The second possibility is to receive $$100,000$ right now. Which of the two possibilities would you take?

B $.$Assume the same situation as in Example I, but with the difference that you can now make a choice between receiving a payment of $10,000$ at the end of year $1,$ which will then grow at $5\%$ per year, and be paid out to you for the next $15$ years. Or$,$ you can receive $$85,000$ right now. What would you do$?$

solve both questions please