5. The Illinois Lottery Winners' Handbook discusses the options of how to receive the winnings for a $1 million scratch ticket. One option is to take 10 annual payments of approximately $100,000, which is $1 million divided into 10 equal payments. The other option is to take a lump-sum payment (which is often called the cash value). If the Illinois Lottery Commission can earn 4.72% annual interest, how much is the cash value