Randy W. recently won the Western States Lottery of $6,500,000. The lottery pays either a total of twenty $325,000 payments per year with the first payment today (i.e., an annuity due), or $3,500,000 today. At what interest rate would Randy be financially indifferent between these two payout choices? ( You don't tell me to use Excel to get the answer because we take the exam that we cannot use computer. You need to calculate it by working.)