Suppose you win the Publishers Clearinghouse $10 million sweepstakes. You can either receive $8 million immediately or receive equal annual installments of $333,333.33 over 30 years. Which of the following is correct? (Ignore taxes)

		*You cannot choose between the two without first calculating future values.
		*You will always choose the lump regardless of interest rates.
		*You will choose the annuity payment if the interest rate is 1%.
		*You will always choose the annuity