you recently won a lottery and have the option of receiving one of the following three prizes: (1) $98,000 cash immediately, (2) $40,000 cash immediately and a six-year annual annuity of $9,900 beginning one year from today, or (3) a six-year annual annuity of $19,800 beginning one year from today. assuming an interest rate of 6% compounded annually, determine the present value for the above options. which option should you choose?