Michelle has won a $$20$ million lottery which will pay her $1$ Million at the end of each year for the next ten $(10)$ years. She was approached by an investor who offered her $10$ Million now for this annuity. Michelle did her investigation and recognized that she can earn $12\%$ interest annually, on any amount she invests. Michelle is unsure of which option to take. She seeks your advice on whether to accept or reject the offer. Show the relevant calculation and advice Michelle.