Gina Portales won the $51 million lottery. She is given two options. She can receive $1.5 million a year for the next 17 years (starting one year from today) plus an additional lump-sum payment of $25.5 million after 17 years. Or, Gina can receive 25% of the $51 million in a lump-sum payment today. Which option should Gina choose? Assume a 15% discount rate. Perform all necessary computations. Show your work and explain your answer.