You just won the Georgia State Lottery. Your prize is $7.5 million spread out in even annual payments over the next 15 years. You have the option of taking the Cash Option, which gives you the calculated present value of your annuity using an annual interest rate of 8%. If you were planning on sticking any money earned from the lottery in a fund that has a guaranteed rate of 5%, (assuming away all tax consequences) which option would net you the most money at the end of 15 years?