Gail just won the $2,600,000 lottery. She has two options on how to receive the winnings. Option 1: she can receive $8,600 a month for 32 years Option 2: she can receive $1,900,000 in a lump-sum payment She has a time value of money of 3%. Which is the better offer? Option 2 I can't decide Both are the same Option 1