2. You have just won the lottery (Congratulations!) and have to choose between receiving the payoff as either a lump sum today or in the form of an annuity over the next 20 years. Assume both options have the exact same present value. For example, you can either get $10 million today or $1 million at the end of each of the next 20 years (note that these two options are equivalent at a 7.75% interest rate). What factors would you consider in selecting the payoff style and why