Gabnele just won $2 million in the state lottery. She is given the option of receiving a of $1,000,000 now, or she can elect to receive $100,000 at the end of esch of the next 20 years. If Gabriele can earn 9% annually on her investrnents, which option should she take? If Gabrielle takes the prize as an annuity, the present value of the 20-year ordinary annuly is \& (Round to the nearest dollar.)