Suppose you win the lottery, and the jackpot is $50,000,000!

You may either choose the annual payment option or the lump sum cash option. If you choose the annual payment option, then you will receive 20 equal payments of $2,750,000 one payment TODAY and one payment at the end of each of the next 19 years. If you choose the lump sum option, then you will receive $39,194,650.87 today. Suppose you can invest the proceeds at 3.25%.

Which option should you choose? Please round to 4 decimal places.