Congrats You have just won the lottery You are asked whether you want the $10,000,000 lump sum or a 20 year, $700,000/yr annuity IGNORING taxes, how old you are, how sick you are, the likelihood of Tsunamis, whether the State Lottery will be bankrupt in 5 years, whether you want to leave $ to your kids.. On what basis do you make your decision??