debra wilcox won $10 million in the california lottery. she must choose how she wants the prize to be paid to her. first, debra can elect to receive 26 annual payments, with the first payment due immediately. second, she can elect to receive a single payment immediately for the entire amount. however, if she elects the single payment option, the winning prize is reduced to one-half the winnings ($5 million). which option should debra choose if her cost of capital (discount rate) is