You Won the Lottery and Have a Number of Choices

You won the lottery and have a number of choices as to how to take the money. Which choice yields a greater present value?

A) $12,000 a year at the end of each of the next 6 years using a 6% discount rate
B) $53,500 (lump sum) now using a 6% discount rate
C) $90,000 (lump sum) 7 years from now using a 6% discount rate
D) $92,000 (lump sum) 7 years from now using an 8% discount rate