Gail just won the $3,500,000 lottery. She has two options on how to receive the winnings. Option 1: she can receive $9,000 a month for 30 years Option 2: she can receive $2,800,000 in a lump-sum payment now She has a time value of money of 3.5%. Which is the better offer? Option 1 Option 2 Both are the same I can't decide