Heidi Layne recently inherited a trust fund from a distant relative. On January 2, the bank managing the trust fund notified Layne that she has the option of receiving a lump-sum check for $200,000 or leaving the money in the trust fund and receiving an annual year-end check for $20,000 for each of the next 20 years. Layne likes to earn at least a 5 percent return on her investments. What should she do?