You have two retirement plan options: A: You will receive annual equal payments of $20,000, beginning 40 years from now for 10 years. B: You will receive a $100,000 lump sum 40 years from now. Which plan would you choose? (Interest rate = %6 annually) lyas borrowed $5000 from Union Bank at %8 interest. He will repay the loan in five years (five annual installments). Prepare Joan amortization schedule