In July of 2012, the PowerBall Jackpot was at 167 million dollars. If you were the lucky winner on that day's drawing, which payout option would you have chosen? A yearly installment over 26 years totaling the 167 million (called an annuity) or one lump-sum cash option totaling 107 million (Example: the present value of that annuity at the time)? Explain.