It is your lucky day! you won the ohio lottery and have elected to take the one time up front payment. today, you get a check for $800,000 and decide to invest it for the future. you are going to let the money 'sit' and accumulate interest for the next 5 years. a good friend of yours, who also happens to work for charles schwab, tells you that you can earn 4% annually. how much will you have at the end of 5 years?