please answer asap!

Randy just won the Powerball Jackpot for $5,000,000. Randy has the option to take a lump sum payment of $3 million now or receive payments of $200,000 at the end of the year for the next 30 years or receive a one-time payment of $5,000,000 in 15 years. Assuming rate of 7% and ignoring axes, should Randy choose the lump sum payment now, the annuity payments, or the lump sum payment in 15 years? Multiple Choice The annuity payments for the next 30 years. The lump sum payment of $5 million in 15 years. The lump sum payment of $3 million today. Either the lump sum payment today or the annuity payments for 30 years because they have the same present value