Suppose you just won the first prize in a lottery. The lottery offers you two possibilities for receiving your winnings. The first option 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, growing at a rate of 5% annually. The interest rate is 12% during the entire period. The second choice is to receive $100 000 right now. Which of the two alternatives should you take?